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Personal Finance News 11/2015



Personal finance: Taking a guarantee at face value a big mistake
I recently spoke with someone who had been defrauded in an investment. This person had a fairly successful career in corporate finance before he retired, so I questioned him closely on how he came to be defrauded. After about five minutes of discussion ...

Wells, Quicken Loans Mortgage Rate Deals Today Nov 1, 2015
The benchmark 30 year fixed rate mortgage interest rates are 4.250% at Wells Fargo (NYSE:WFC) and an APR of 4.492%. The best 30 year FHA FRMs at the bank are published at 4.000% carrying an APR of 5.180%. Popular 15 year fixed rate mortgage ...

PA Receives '"F" For Personal Finance Educaction
According to the study, an F rating represents that a state has little to no requirements for personal finance in high school; Pennsylvania's standardized mathematics assessments do not include sections testing economic literacy. John Pelletier ...

Personal-finance courses in Virginia teach teens to budget in the real world
In a pre-calculus class at John Champe High School in Loudoun County, juniors and seniors are learning abstract mathematical concepts. And in a personal-finance course, 16- and 17-year-olds are learning about something that might seem even more ...

ET Wealth: Should you go for a top up or a personal loan?
Since he already has a running home loan, his financial adviser suggests taking a top-up loan, which would be a better and faster option than a personal loan. Arvind will be eligible for a top-up loan now since the original loan was taken eight years ...

Should you go for a top up or a personal loan?
Since he already has a running home loan, his financial adviser suggests taking a top-up loan, which would be a better and faster option than a personal loan. Arvind will be eligible for a top-up loan now since the original loan was taken eight years ...

Liberum Capital Reiterates “Sell” Rating for International Personal Finance ...
Liberum Capital Reiterates “Sell” Rating for International Personal Finance ...

How to get a personal loan
The number of Americans choosing a personal loan to fill in some sort of money gap -- whether to consolidate credit card debt or finance a wedding -- is on the rise, thanks in part to falling interest rates in the past 2 years. But obtaining a loan ...

Mortgage Rate Forecasts For Home Buyers & Refinance Loans
After three consecutive weeks in decline, consumer mortgage rates jumped in last week's latter half, pushing the average 30-year fixed-rate mortgage rate to its highest point in a month. The primary culprit was a more hawkish-than-expected statement ...

9 Things Every Twentysomething Should Know About Her Finances
Managing your money can be seriously daunting, especially right after college. Lots of twentysomethings can land in the real world without knowing how to balance a budget, let alone manage loan payments and credit card bills. Three-quarters of young ...

International Personal Finance Plc Price Target Lowered to GBX 360 at RBC ...
International Personal Finance Plc Price Target Lowered to GBX 360 at RBC ...

Changing the point of attack
Home bias risk pays off for KiwiSaver managers; market volatility continues but long term returns remain positive; no '... more ». QUICK LINKS: Home loans · Credit cards · Investments · International · Small Business · BNZ Partners · Agribusiness ...

Quiz: could you pass the personal finance A-Level?
Nearly 200,000 sixth-formers now have a Personal Finance A-Level equivalent qualification, awarded by the Institute of Financial Services University College, an education charity. Scroll down to test yourself, using questions taken from the course ...

Millennials and Personal Finance: New Technology, Old Challenges
3, 2015 /PRNewswire/ -- Experian announced today the first of two reports originating from a survey of more than 1,000 millennials, ages 19-34, about a variety of personal finance topics – from their future views, to loan status, to credit knowledge ...

30-Year Fixed Mortgage Rates Rise on Expectations for a December Rate Hike ...
30-Year Fixed Mortgage Rates Rise on Expectations for a December Rate Hike ...

Personal finance: Plan your estate while you're young
Watching financial advisers put their house in order can teach you about building your own plan. You're never too young, and here's why. My husband Brian and I married two years ago. I went through our finances, combined accounts, changed names, ...

Personal Finance: Making holidays bright – and affordable
Already dreading what you'll spend this holiday season? It doesn't have to be that way. Gifts aren't the only budget-busting culprit during the holidays. The weeks between Thanksgiving and New Year's are also a peak time for spending on groceries ...

3 Bluntly Simple Personal Finance Advice That Work Miracles
Among the most common personal finance tips you often see is stop spending money on "guilty pleasures" like Lattes from Starbucks, fancy car washes, or regular manicures. You constantly get nagged for spending money on those, which eventually makes ...

The Best Personal-Finance Products and Services of 2015
The Best Personal-Finance Products and Services of 2015. Here are our top picks for investments, money-management tools, credit cards, budget-friendly travel, and more. By Janet BodnarSee my bio, plus links to all my recent stories., From Kiplinger's ...

Rubio deflects attacks on his personal finances
Marco Rubio pushed back against criticism of his personal finances Wednesday, saying the issue has been overblown. “Bottom line is I don't come from a wealthy family,” the Republican presidential candidate and Florida senator said on “Good Morning ...

Mortgage Rates: Friday's Non-Farm Payrolls Will Change EVERYTHING
On the first Friday of each month, the Bureau of Labor Statistics publishes its Non-Farm Payrolls report. Commonly called "the jobs report", Non-Farm Payrolls highlights employment changes across 10 private labor market sectors including insurance and ...

Who Will Feel The Small Hike of Mortgage Rate More Than Others
For the past year everyone has been speculating on rising mortgage rates! Economists have danced around the subject because there has been no clear direction as to when interest rates are going to increase. Even now as we are well into the fourth ...

High school students learn budgeting skills at personal finance
John Kmetz, left, with the Community Credit Union of New Milford, haggles with Natalie Truglia, 17, right, of Stamford, over the price of a car. The two are participating in a financial reality fair organized by area credit unions for high school ...

Big Banks Lock Horns With Personal-Finance Web Portals
Mint is a unit of Intuit Inc., INTU 1.17 % owner of personal-finance software Quicken. Mint said that “delivering secure and seamless connectivity is a shared priority across Mint and our financial institutions partners.” These types of sites have been ...

Sunnyvale: Homestead High senior earns rare Girl Scouts award by teaching ...
Sunnyvale: Homestead High senior earns rare Girl Scouts award by teaching ...

Suggestion for a small inheritance
QUESTION: I recently inherited $60,000. My husband and I have three children. We both work full-time and have several years left on our mortgage. We also have a few credit cards with balances, no car payments and a small savings. What would be the best ...

Tags: Huffington Post | Personal Finance | Tips | Money
"Among the most common personal-finance tips you often see is stop spending money on "guilty pleasures" like Lattes from Starbucks, fancy car washes, or regular manicures. The truth is that you don't need to cut down on things you love in order to have ...

Tony Robbins on building personal finance and 401(k) fees
November 5, 2015, 8:43 AM |For more than three decades, some of the world's most successful people have turned to life and business strategist Tony Robbins for advice including President Bill Clinton, Donna Karan and Serena Williams. Robbins' 2006 ...

Denver Personal Finance Expert Pulls Back the Curtain on Financial Services ...
Denver Personal Finance Expert Pulls Back the Curtain on Financial Services ...

Wall Street banks are starting to throttle personal-finance startups
Other personal-finance apps have also been impacted by big banks' 'throttling,' as well, Business Insider has learned. These include apps run by Mint's parent company Intuit, according to a person who spoke with Business Insider under the condition of ...

Average 30-year mortgage rate jumps to 3.87%
Average long-term U.S. mortgage rates rose sharply this week amid growing expectations that the Federal Reserve may soon raise its key short-term interest rate. Mortgage giant Freddie Mac said Thursday the average rate on a 30-year fixed-rate mortgage ...

Will an Interest Rate Hike Derail Mortgage Applications?
The percentage of Americans who were denied a mortgage loan ticked down last year, according to a report released Thursday by real estate hub Zillow. But sharp racial divides were still apparent, and a pending national interest rate increase – which ...

Mortgage Rate Summary for BMO Harris Bank, Wells Nov 5, 2015
In response, the 30-year mortgage rate experienced its largest increase since June, up 11 basis points to 3.87%,"said Sean Becketti, chief economist with Freddie Mac". The one-year ARM average increased to 2.62 percent with an average 0.2 point. While ...

Review: 3 Android phones that offer something different
NEW YORK (AP) — New Android phones appear with regularity, but far too few of them really seem ... new. Sure, cameras keep getting better and phones keep getting faster. For the most part, though, you'd be hard-pressed to single out many new features ...

Personal-finance classwork should be engaging - and free from bias
FOR MANY PEOPLE, personal finance can be pretty boring. I've even had folks planning to attend a financial class tell me they anticipated taking a nap. Folks like having money. They just don't like the chore of learning the concepts it takes to manage ...

How To Make A Living Modeling? There's An App For That
Tycoon is a personal finance tool that helps freelancers keep track of theirs gigs; it debuted last month. Users log in the specific job, the rate they'll be paid, when the job takes place, and when the payment is supposed to come through. The app then ...

Survey: Students lack personal finance knowledge, need more education
The reality is that most students aren't making the grade when it comes to learning about personal finance. According to U.S. Bank's recent survey, 65% of students gave themselves a C, D or F when considering whether they can successfully manage their ...

Take Note: A Conversation with Personal Finance Expert Farnoosh Torabi
Farnoosh Torabi is an award-winning personal finance expert, TV personality and best-selling author. She's also a Penn State graduate and Schreyer Honors Scholar. WPSU's Patty Satalia talks with her about her money philosophy, about having it all, but ...

Aaron's Supports Junior Achievement of Southern California's Finance Park ...
Aaron's Supports Junior Achievement of Southern California's Finance Park ...

Pave Review: Personal Loans for Self-Improvement
Just like in traditional lending, credit matters when you apply for a Pave personal loan. Applicants need to have a minimum credit score of 660 to qualify; the company looks at both FICO and Vantage scores. But credit is just a starting point, says ...

Citibank's personal loan ads 'misleading': referred to financial watchdog
It's all downhill from there, as Marnie goes on to inform the viewers about the benefits of Citibank's “super low rate” 6.9 per cent Ready Credit Flexible Personal Loan, which the lender has been advertising heavily in recent months. The three ...

30-year mortgage rate jumps to 3.87 percent
Average long-term U.S. mortgage rates rose sharply this week amid growing expectations that the Federal Reserve may soon raise its key short-term interest rate. Mortgage giant Freddie Mac said Thursday the average rate on a 30-year fixed-rate mortgage ...

Mortgage Rate Summary for BMO Harris Bank, Wells Nov 5, 2015
"With expectations for a December rate hike from the Fed, longer term rates (like mortgages) will have a hard time to committing to any significant move lower unless something happens that is clearly seen as staying the Fed's hiking hand". Average ...

Let's Start Here: Mortgage Rates 101
The risk spread is the part of the mortgage rate that's very dependent on the borrower, a.k.a. you. It varies significantly with respect to the borrower's credit score and history, the size of the down payment, the size of the loan, the metro in which ...

Mortgage rates jump in anticipation of Fed move
A year ago, the average 30-year mortgage rate was 4.02 percent, while the rate for 15-year loans was 3.21 percent. While keeping the key rate at a record low near zero, the Fed recently signaled the possibility of a rate increase in December. It was ...

Kiplinger's Personal Finance - What you need to know about spending cold, hard ...
Kiplinger's Personal Finance - What you need to know about spending cold, hard ...

Personal finance: Follow these 10 Commandments
Someone recently suggested that it would be helpful if I distilled key personal finance "rules" into a grand, easy-to-follow list. So, here are my "Ten Commandments," offered in no particular order: 1. The house you live in is a home, it is not a ...

Insider Buying: Almond,Jayne Purchases 20000 Shares of International Personal ...
Insider Buying: Almond,Jayne Purchases 20000 Shares of International Personal ...

Current Mortgage Rates Roundup for November 9, 2015: What to Expect from the ...
Current Mortgage Rates Roundup for November 9, 2015: What to Expect from the ...

How to Make Personal Finance More Fun
Today, Doug returns to the theme of the habits of wealthy people. Adopt these habits of financially successful people for yourself: • Pay your bills as soon as you get them • Read personal finance books. • Start by saving – pay yourself first. • Set ...



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