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Personal Finance News 10/2015



Research Analysts at Numis Maintained their "Buy" rating for International ...
Research Analysts at Numis Maintained their "Buy" rating for International ...

Tencent Tests Out Student-Loan Startup
Last month, Tencent's popular WeChat smartphone messaging application added a new personal-loan service operated by WeBank, the online bank backed by Tencent. And last year, Tencent teamed up with peer-to-peer lender China Rapid Finance to ...

Cameron Huddleston: 5 habits that could help you save thousands
Cameron Huddleston writes for GOBankingRates.com ( ), a leading portal for personal finance news and features, offering visitors the latest information on everything from interest rates to strategies on saving money, managing a budget and getting out ...

Energy XXI's CEO received personal loans from vendors, board member
HOUSTON — Energy XXI says it has learned its CEO John Schiller borrowed funds from acquaintances and some of the company's vendors and received a personal loan from a member of the company's board before the director's appointment. The Houston ...

Mortgage Rates: Three Reasons to Buy in the Next Three Months
... 10-year Treasury rate — a key driver of mortgage rates — varied just a little more than 10 basis points over the last week,” Sean Becketti, chief economist for Freddie Mac, said in a release. “This marks the tenth consecutive week of a sub-4 ...

Mortgage rates little moved as 30-year averages 3.85%
WASHINGTON (MarketWatch) -- Mortgage rates were little changed, Freddie Mac reported Thursday. The 30-year fixed-rate mortgage averaged 3.85%, down from 3.86%, and the 15-year fixed-rate mortgage slipped a basis point to 3.07%. The 5-year ...

Freddie Mac: Mortgage rates below 4% ten weeks straight
Mortgage rates remained fairly stagnant despite ongoing global growth concerns putting downward pressure on Treasury yields, the latest Freddie Mac Primary Mortgage Market Survey said. “This marks the tenth consecutive week of a sub-4-percent ...

Fast and easy loans come at price for small businesses
NEW YORK (AP) — It sounded like a sweet deal: A loan broker walked into Southern Girl Desserts offering the Los Angeles bakery a $40,000 loan that could be deposited in a bank account quickly. Already rejected for a loan from a bank, co-owner Catarah ...

Personal Finance: What is your inflation rate?
Brian Kuhn, author of "Total Compensation: a Practical Guide to Federal Employee Benefits." (Courtesy Photo). Brian KuhnCorrespondent. What is your personal inflation rate? Inflation erodes your ability to maintain your lifestyle. Households want to ...

KBC to cut its variable mortgage rate for new and existing customers
Customers who have their salary paid into a KBC current account get a further mortgage rate discount, which will mean they will get a variable rate of 4.05pc. The reduction will take effect from December 1. A mortgage customer with a €200,000 loan over ...

Online Lenders Rely on Old-School Marketing
Thanks in large part to online lenders, the average monthly volume of personal-loan offers sent through the mail has more than doubled in two years to 156 million in the year through July from 73 million in the same period in 2013. In July alone ...

Mortgage Applications Fell 6.7% Despite Rate Decrease
Michael Fratantoni, chief economist for the MBA, said "Once again, the weekly average mortgage rate is not telling the story regarding mortgage application volume. The prior week included days with much lower rates due to volatility around the Fed's ...

Here's why Americans are getting new credit and debit cards
As of Thursday, the liability for fraud committed using traditional MasterCard and Visa magnetic-stripe credit and debit cards will shift from banks to stores. The move is part of a drive by the banks and payment companies to get people to use the new ...

International Personal Finance Plc Given "Buy" Rating at Numis Securities Ltd ...
International Personal Finance Plc Given "Buy" Rating at Numis Securities Ltd ...

4 ways companies may adjust to looming employee benefits tax
The taxman is coming to employer-sponsored health insurance, and his visit may trigger changes to your benefits. The health care overhaul calls for the so-called Cadillac tax — a 40 percent tax starting in 2018 on the value of employer-sponsored ...

PERSONAL FINANCE: Back-to-school a good time to review RESPs
Saving for university? This time of year is also a good time to review your RESP investment. next play/pause pre 1/1. Hamilton Spectator. By Julie Shea. This year's back-to-school routine has been the easiest on record. Daughter No. 1 is in third year ...

Boone County to file suit to collect illegal ambulance authority loan
MADISON — Boone County Commissioner voted unanimously to file a lawsuit to recover an illegal personal loan given to Boone County Ambulance Authority Director Randy Lengyel. “I write to seek authorization from the Boone County Commission to file ...

Current Mortgage Rates for Friday, October 2, 2015
mortgage rates The mortgage rates, they are a-fallin'. This morning the September employment report came out, and it was a stinker. We saw paltry gains in September, and downward revisions to August and July. The employment components of various ...

Anticipating a Mortgage Rate Increase
The intense media focus on when the Federal Reserve will finally raise its benchmark interest rate above zero can be nerve-wracking for home buyers. Many might be wondering whether they should rush to close on a deal before a move by the Fed causes ...

International Personal Finance Plc Given Consensus Rating of "Hold" by ...
International Personal Finance Plc Given Consensus Rating of "Hold" by ...

Current Mortgage Rates Roundup for October 2, 2015
As far as current mortgage interest rates are concerned, government-sponsored agency Freddie Mac published its latest weekly Primary Mortgage Market Survey (PMMS) report on Thursday, which revealed that the average 30-year fixed mortgage rate ...

Ask An Expert: Your Personal Finance Questions Answered This Week
Do you have questions about personal finance and you're not sure who to ask? Colby Winslow, a full-time wealth planner with WaterOak Advisors, LLC, will join us in the Orlando Sentinel newsroom on Thursday from 11 a.m. to noon. Return to this page or ...

3 Realities That Make Personal Finance Different for Entrepreneurs
In my experience, financial planners and entrepreneurs see the world from completely different perspectives. And they each think the other is a little bit crazy. For example, financial planners think entrepreneurs love risk; whereas entrepreneurs ...

3 Realities That Make Personal Finance Different for Entrepreneurs
The typical financial planner may not appreciate this, but for entrepreneurs, personal finance is a whole different animal. The rules are different and there's more at stake. Related: 2 Little-Known Retirement Savings Plans Tailored for Entrepreneurs ...

Free One-On-One Financial Advice Yours For The Taking
It's the Lollapalooza of personal finance. The Certified Financial Planner Board of Standards — the group that offers those fancy CFP designations behind last names — is holding its sixth annual Financial Planning Days event. The CFP Board is ...

Do credit cards and personal loans really help your credit score?
Getting a credit card or a personal loan is usually not a difficult or cumbersome job as long as the applicant fulfills the stipulated conditions. Compared to home or auto loans the processing is faster and easier. Do credit cards and personal loans ...

Personal finance Q&A: Rethink plan to add debt near retirement
Borrowing money to renovate may make sense for some people, but most should be cautious about taking on more debt close to retirement. Borrowing money to renovate may make sense for some people, but most should be cautious about taking on more ...

Mortgage Rates Roundup for Saturday, October 3, 2015
As a result, the 30-year mortgage rate remained virtually unchanged, dropping 1 basis point to 3.85 percent. This marks the tenth consecutive week of a sub-4-percent mortgage rate. Despite persistently low mortgage rates, the pending home sales index ...

Borrow or Fundraise? How to Fund Your Startup
If you obtain your loan through a bank or SBA (Small Business Administration) lender, you'll usually have a lower interest rate than on a personal loan. You may even enjoy some tax benefits. Taking out a loan also gives you the opportunity to build up ...

Kiplinger's Personal Finance - Get the most from your health plan
Whether you get coverage through your employer or on your own, it is time to pick your health plan for 2016. Large employers say they expect their health care tab to increase by about 5 percent for 2016, according to the National Business Group on ...

7 ways you can cash in on historically low mortgage rates
Be aware that the mortgage rate you could get these days might surprise you. And if you think you're living in a home where you will be for a long time, is this the time to pay extra points or loan fees to get an even cheaper rate with a refi and save ...

Got A Personal Finance Question? Don't Miss The Bus
Personal finance coach Marsha Barnes doesn't operate out of an office. In fact, she doesn't stay in any single place for too long. By day, 9 to 5, Barnes says she's a corporate trainer. But she also takes her business on the road, all over her ...

A 401(k) Loan Might Make Sense, but it Should Only Be Your Last Resort
And, of course, if you've exhausted every resource available -- a home equity line of credit, personal loan, or even a loan from a friend or family member -- then a 401(k) loan might be the appropriate path to take. ...but a 401(k) loan comes with a ...

News' personal finance columnist Pamela Yip dies at 59
For the last 16 years, Pamela Mary Yip helped Dallas Morning News readers navigate the obstacles of personal finance. Her columns covered all of life's economic stages, including planning for college expenses and saving for retirement. And she handled ...

International Personal Finance Plc Rating Reiterated by Numis Securities Ltd (IPF)
International Personal Finance Plc logo International Personal Finance Plc (LON:IPF)'s stock had its “buy” rating reaffirmed by investment analysts at Numis Securities Ltd in a research note issued to investors on Thursday, Market Beat reports. They ...

Ask an expert: Your personal finance questions answered
On Sunday, you can talk live for free with financial planners during the annual Ask an Expert Hotline. From 10 a.m. to 4 p.m., planners will answer questions by telephone at (407) 420-5799. Thursday, a planner will be online from 11 a.m. to noon at ...

Mortgage Rates Largely Unchanged, Stays Below 4% for 10th Straight Week
"As a result, the 30-year mortgage rate remained virtually unchanged, dropping 1 basis point to 3.85 percent." He also adds in the press release that this week mark's the "tenth consecutive week of a sub-4 percent mortgage rate." He adds, though, that ...

Home loan, car loan and personal loan rates will come down: Jaimin Bhatt, CFO ...
Home loan, car loan and personal loan rates will come down: Jaimin Bhatt, CFO ...

Current Mortgage Rates for Monday, October 5, 2015
mortgage rates As per usual, the second week of the month has all the makings of a boring one. There is not much domestic economic data scheduled. The main events of the week look to be the minutes from the September Fed meeting, the beginning of the ...

Current Mortgage Rates Roundup for October 5, 2015: What to Expect from the ...
Current Mortgage Rates Roundup for October 5, 2015: What to Expect from the ...

Detecting and Avoiding Personal Loan Scams
Better Business Bureau® (BBB) of Fort Worth and Tarrant County, Inc. warns consumers to protect themselves from common personal loan scams. Fraudulent lenders often impersonate legitimate loan companies by counterfeiting their names, logos, ads and ...

Lending Club vs. Prosper: Learn Which Small-Business Loan Is Right for You
Finally, paying off the loan on time should help you build good business credit, and the interest paid on your loan may be tax deductible, unlike Prosper's personal loan. The downsides: Although Lending Club offers competitive rates on its loans, it's ...

Lending Club vs. Prosper: Learn Which Small-Business Loan Is Right for You
Finally, paying off the loan on time should help you build good business credit, and the interest paid on your loan may be tax deductible, unlike Prosper's personal loan. The downsides: Although Lending Club offers competitive rates on its loans, it's ...

International Personal Finance Plc Downgraded to "Underperform" at RBC Capital ...
International Personal Finance Plc Downgraded to "Underperform" at RBC Capital ...

'Ladders' Help You Build a Flexible Personal Finance Plan
Building a financial “ladder” means buying a series of bonds, CDs or other financial products that have different maturity dates. This way, rather than tie up all your money in a single investment for a long time, you have multiple products maturing at ...

Current Mortgage Rates Roundup for October 6, 2015
As mortgage rates tend to follow the movement of the 10-year treasury bond, you may see slightly higher mortgage interest rates at your lender today. The average lender which quoted the 30-year fixed mortgage rate at 3.75% on Friday, now offers the ...

30-Year Fixed Mortgage Rates Fall to 5-Month Low; Current Rate is 3.60 ...
30-Year Fixed Mortgage Rates Fall to 5-Month Low; Current Rate is 3.60 ...

Financial regulators move to restrict forced arbitration
NEW YORK (AP) — The Consumer Financial Protection Bureau is considering rules that would severely curtail a contentious practice called forced arbitration, which consumer advocates have long argued does a disservice to people who have disputes with ...

Personal finance blogs for over-50s: why they're worth a look if you have ...
Personal finance blogs for over-50s: why they're worth a look if you have ...

MoneySmart Raises Series A To Bring Personal Finance Tools To Southeast Asia's ...
MoneySmart Raises Series A To Bring Personal Finance Tools To Southeast Asia's ...



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