Monday, July 26

Personal Finance Insider

Alyssa Powell, Mortgage, mortgage rates, Mortgage Refinancing, Mortgages, Personal Finance, Personal Finance Insider, pfi, PFI Bankrate, PFI Guide, PFI LendingTree, PFI Money, PFI Related Content Module, PFI-XAMP, service graphics, TOC-jump-to, Today's Mortgage Rates

Today’s mortgage and refinance rates: July 26, 2021

Mortgage rates have shifted since last week and month — some rates are a little lower, while others are a little higher. Overall, it's a good day to lock in a low rate.If you're ready to buy or refinance, you'll probably want a fixed-rate mortgage rather than an adjustable-rate mortgage. ARM rates are starting higher than fixed rates right now, and you'd risk your rate increasing even more in a few years. It's safer to lock in an all-time low rate while you can.Today's mortgage ratesConventional rates from Money.com; government-backed rates from RedVentures.Today's refinance ratesConventional rates from Money.com; government-backed rates from RedVentures.What is a mortgage rate?A mortgage rate is the interest you pay on the money you borrow from a lend...
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3 questions to ask yourself before you rage-quit your job, according to a financial planner

If, like many Americans, you're thinking of quitting your job, stop and consider your finances first. Ask yourself if you have enough savings to cover you while you look for new work. Think about what you're giving up: benefits, 401(k) contributions, and bonuses could all be factors. Read more stories from Personal Finance Insider. At some point in your career, you've probably transitioned from one job to another. A company may have offered you an opportunity that was too good to turn down, or you might have been unhappy with your current job and ready for a change. As more Americans get COVID vaccines, the push to return to the office is causing some worker...
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4 straightforward strategies a millennial used to pay off $25,000 of student loans in 10 months

After a job loss and financial emergency, Ashley Patrick was determined to get out of debt. She had $25,000 of student loans left to pay, so she and her husband took aggressive action. They paused their 401(k) savings, cut their spending way down, and carefully tracked their payoff. Read more stories on Personal Finance Insider. For many of us, student loan debt may feel like a ball and chain that we drag around for years on end.That's how Ashley Patrick felt about her $25,000 in student loans. When her husband lost his job and the couple was unable to quickly pay back a loan they'd borrowed against their 401(k) to remodel their house, they ended up owing th...
Personal Finance, Personal Finance Insider, pfi, PFI Quinstreet, PFI Related Content Module, PFI-XAMP, Retirement, Retirement Advice, retirement planning, retirement saving

Retirees say they made 3 financial mistakes before leaving work that still haunt them

Retirees wish they'd spent less on houses and cars, and saved more instead. They wish they'd had more money and retirement conversations with their spouses sooner. And they wish they'd paid off their mortgages before retiring. Read more Personal Finance Insider coverage » Planning for retirement isn't always easy, but you only really get one shot at doing it well.Learning from others who have retired is critical, and, luckily, many people who have retired comfortably are willing to share the things they've done well — and what they wish they'd done differently. Here, retirees share three mistakes they made on the road to their golden years. ...
Alyssa Powell, Mortgage, mortgage rates, Mortgage Refinancing, Mortgages, Personal Finance, Personal Finance Insider, pfi, PFI Bankrate, PFI Guide, PFI LendingTree, PFI Money, PFI Related Content Module, PFI-XAMP, service graphics, TOC-jump-to, Today's Mortgage Rates

Today’s mortgage and refinance rates: July 24, 2021

Mortgage rates have shifted since last week and month — some rates are a little lower, while others are a little higher. Overall, it's a good day to lock in a low rate.If you're ready to buy or refinance, you'll probably want a fixed-rate mortgage rather than an adjustable-rate mortgage. ARM rates are starting higher than fixed rates right now, and you'd risk your rate increasing even more in a few years. It's safer to lock in an all-time low rate while you can.Today's mortgage ratesConventional rates from Money.com; government-backed rates from RedVentures.Today's refinance ratesConventional rates from Money.com; government-backed rates from RedVentures.What is a mortgage rate?A mortgage rate is the interest you pay on the money you borrow from a lend...
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You can transfer Citi ThankYou points to 17 airline partners, and the best programs can save you thousands of miles on flights to destinations like Hawaii

Earning transferable points with rewards credit cards is one of the best strategies you can use to maximize returns on your spending. Programs like Chase Ultimate Rewards and American Express Membership Rewards are popular with award travelers, in part because their transfer partners include numerous domestic airlines and popular hotel chains.The Citi ThankYou Rewards program is a bit of an underdog in this regard, with usually just one domestic carrier (JetBlue) among airline transfer options and no current hotel partners. But for a limited time, you can transfer Citi points to American Airlines, which opens up many more award opportunities.Despite having few domestic options, you can still squeeze excellent value from the program — in fact, some of C...
coronavirus, COVID relief, eviction moratorium, Mortgages, Personal Finance, Personal Finance Insider, pfi, PFI Reference, PFI-XAMP

The US national eviction moratorium ends July 31. Here are 3 steps you can take if you’re still struggling to pay rent.

Through the CDC, there is a national ban on evictions through July 31. A handful of US states have their own eviction moratoriums that will continue past July 31, though. You may qualify to receive money for rental assistance if you're eligible for unemployment benefits. Read more personal finance coverage. Right now, the CDC has a nationwide ban on evictions due to the COVID-19 pandemic. But this federal moratorium is set to end on Saturday, July 31.If you're still having a hard time paying rent, you may be able to access aid even after the national ban ends. Your options largely depend on where you live in the US. Here are three ...
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JP Morgan Automated Investing review: Invest in customized ETF portfolios with a minimum of $500

Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, like American Express, but our reporting and recommendations are always independent and objective.JP Morgan Automated Investing offers automated portfolios with oversight from JP Morgan experts. The account has a $500 minimum, and it charges a 0.35% annual advisory fee. You can automate general investment accounts, traditional IRAs, or Roth IRAs with this platform. Click here to set up an account with JP Morgan Automated Investing. Bottom line: JP Morgan Automated Investing is best for han...