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June 17, 2013
June 12, 2013
Stephanie Hanes: Little girls or little women? The Disney princess effect
Fred Weir: In tweak to US, Russia would 'consider' asylum for Snowden
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Kristen Chick: Egypt court sentences 43 pro-democracy workers to prison
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Richard A. Serrano: Is Meir Kahane's assassin now a changed man?
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Jewz in the Newz by Nate Bloom : Jews Inducted into Rock Hall of Fame; Anton Yelchin co-stars in New "Trek" film; Kutcher (but not Kunis) visits Israel; Jewish TV Star Praises Jewish Rap Star
The Kosher Gourmet by Cathy Pollak: WARNING: This WALNUT CAKE WITH PRALINE FROSTING, perfect for afternoon coffee, is addicting
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Jewish World Review
Bookmark These: Learn when to refinance mortgage
By
Reid Kanaley
http://www.JewishWorldReview.com | (MCT)
Mortgage rates have hit historic lows. But does that mean you should refinance? As with many personal-financial issues, it depends. Check these sites for guidance on your own situation.
—Things to know. Bankrate.com offers "four things you should know before you refinance." Actually, there are quite a few more than four in the fine print here. No matter how great the mortgage rates are, lenders remain uneager to sign up borrowers unless they can show a stellar credit rating and a good bit of equity in the home that's to be refinanced. Bankrate also is a good site for online calculators that help you figure out pretty closely what sort of payments you'll be making with a new loan. http://go.philly.com/refin1
—Running the numbers. There are more calculators and advice at the site of FICO, the Fair Isaac Corp., which is the company that pioneered credit scoring in the 1950s. The tools here are meant to help borrowers estimate closing costs, and the wisdom of paying the extra fees, called points, to reduce interest rates. The opening page shows current rates and payments for fixed 30-year, 15-year, and adjustable-rate mortgages, and how they vary based on credit scores. http://go.philly.com/refin2
—Smart owners. This four-minute video on YouTube called "Smart Homeowners Know When to Refinance," by personal-finance author David Bach, gives some basic pointers for deciding how wise it is for you to attempt a refinancing. Banks' new standards are stricter, but if you're current with your present payments, if you plan to stay in the home, if the new rates are at least a percentage point lower than your old rate, then you might benefit in a refinancing. http://go.philly.com/refin3
—Excel tips. A short tutorial at eHow.com explains how to set up a spreadsheet for figuring out if it really is time to remortgage. You'll have to know something about Microsoft Excel to begin with. If you do, the article supplies the formulas that will give you a simple spreadsheet capable of doing most of the arithmetic to help you decide. http://go.philly.com/refin4
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Previously:
Options, obstacles complicate seniors' housing
Educate yourself on fiscal, monetary policy
Check out brokers before handing over money
Boning up on exchange-traded funds
Are you paid enough?
Everything you need to know about death and taxes
Social lending cuts banks out of equation
Resources for saving money on summer vacation
Scouting out job opportunities on the Web
Get informed on 401(k) rules
Buy or rent?
Web resources for managing credit
Sites to guide you through headhunting process
Social insecurity
Better work habits
Seek aid online when filing taxes at the last minute
How to save money, or waste it, with a home garden
Web sites to explain the mysteries of inflation
Part-time problems
Tax help
Raise, promotion or new job strategies
Early retirement info on the Web
Self-promotion may be the key to landing that job
Helpful college financial aid sites
Money minders
In a dispute with the IRS?
Tips on how to sell stuff online
W-shaped recovery
Get control of your credit history
Teaching children about the value of money
Facing foreclosure
Just DIY
Starting your own business
Some help for the sandwich generation
Trying not to overqualify
The art of the deal
How to save money
Paying for college
Hanging onto your job
Got game? These sites got cheats
Who are you?
Online power tools
Here's how
Crazy contraptions
Turtles away!
Poetry in action
In the news
That's life
Download this
Nature blogs spring to life
That was then; this is now
Is your number up?
Listen up
“300” more than Ancient history
Looking for E.T.
Put on a smiley face :-)
Speaking of accents
In the news
AnsaThat finds its answer
On top of the world
Another day, another dollar
Prank you very much
How much is enough?
Sound off
Readers have questions, concerns
Quick, give me a word
Driving you crazy
The joy of Bob Ross
Online goes prime time
You don't need to know this
Remembering the creator of Scooby-Doo
Do-it-yourself art
‘Leave me alone!’
Special deliveries
Weight-loss journeys
Daily routines
Working without a map
Just you watch!
New year, new diet
Your mail answered
Chatting: Central characters
Wonders never cease
Secret messages
For your consideration
Freaky food forays
Best of 2006 online
Missed marketing
H.G. Wells’ legacy endures
A quest for dragons
E-mails you've sent
In the news
It's free!
Websites that help you find books that are right for you
Coping with illness
Some serious face time
Some serious face time
In reply to your e-mail ...
Turn your handwriting into a computer-based font that will allow you to churn out homespun greetings
Music for everyone
'Elusive planet' can be viewed clearly from Earth with the naked eye
Central characters
E-mail @ 35
Idle chatter
Funny money
Classic artwork in motion
For an unusual Thanksgiving
Your slip is showing
Best of the worst
Test your mind power
Remain anonymous
© The Philadelphia Inquirer. Distributed by McClatchy-Tribune Information Services.
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