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Is the Time Right to Refinance Your Home Mortgage?

October 2014

Over the last two years average home values have continued to rise across the United States. In many areas existing homes have gained back at least half the value lost after the real estate bust of 2007 and during the Great Recession. At the same time, mortgage interest rates have stayed within a range of historic lows. During 2013 when rates were lowest, many people with equity in their homes refinanced their mortgages usually to lower payments and overall interest paid. For a variety of reasons, other homeowners sat tight with the mortgages they had. This year, although many economic analysts have been predicting that interest rates will rise more sharply, that has not happened but the potential must be considered. Taking all these factors into account you may be wondering if the time is right to refinance.

Read more: Is the Time Right to Refinance Your Home Mortgage?

What Do You Need to Know About Data Breaches?

Did you know that there have been over 200 reports of data breaches so far in 2014? Yet most of these did not make the headlines. The number of records affected in each of these breaches vary from a few hundred to the approximately 56 million reported by Home Depot.

Read more: What Do You Need to Know About Data Breaches?

   

Which Debt to Pay First?

Dear Liz: I have $8,000 in savings. Should I use it to pay the accrued interest on federal student loans that go into repayment soon? Or should I pay credit card debts of $662 at 11.24%, $3,840 at 7.99% and $3,000 at 6.99%?

Read more: Which Debt to Pay First?

   

Q&A: Consolidate Student Loans

Dear Liz: I have four private student loans that I would love to consolidate so that I can have one medium-size monthly payment instead of four large ones. How do I go about finding a company that will consolidate them?

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How to Keep That Vacation Feeling Forever!


Yes! Finally! After months of deadlines and a long list of tasks, stress and maybe even some sleepless nights, your vacation finally starts and you're FREE!

You have activated your automatic Out Of Office reply and, during your vacation, you are going to do absolutely nothing work- or school-related, and focus on renewing yourself with loads of positive energy.

You know that feeling, right? The feeling that things will be much better when you go back to work with your newfound insight and energy?

 

Read more: How to Keep That Vacation Feeling Forever!

   

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