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The new Financial Reform bill signed yesterday makes $250,000 FDIC insurance limits permanent, so you can now invest in 5-year CDs without worrying about whether or not your balances over $100,000 would be protected if your bank should fail.
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New Financial Reform Protects Mortgage Borrowers
The federal government is passing new financial regulations. What will this mean for mortgage borrowers?
Read →Smarty Pig, the social banking site, still offers one of the best savings interest rates around and a great bonus if you redeem your savings for a gift card from one of their partners. Their competitive interest rate applies only if you donââ¬â¢t have a large savings balance, however.
Read →With the new regulations regarding overdraft fees, banks need to make up the expected monetary loss somewhere. Will this affect the CD rates at your bank?
Read →Average 30-year mortgage rates ticked up slighltly from 4.66 to 4.68% according to BestCashCow/Informa data. That's down from a 2010 high of 5.20% in early April. Fifteen year mortgages rates are even lower at 4.13%.
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Teaching Your Kids to Invest in CDs
Teaching your children to start investing at a young age can help them be financially responsible as they grow older.
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Low Credit Scores Causing Problem for Home Loans
The FHA has issued new guidelines regarding credit scores and qualifying for mortgage loans. What do these new regulations means for you?
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Changes May Be Coming to Your Checking Account: Automatic Enrollment in Overdraft Protection Eliminated
Gone are the days when banks could hit you with $35 overdraft protection fees without your knowledge or consent. This is great news for consumers, but if you donââ¬â¢t monitor your checkbook well, you could be in for an embarrassing moment at the local store check-out counter.
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The Perks and Pitfalls of Reward Checking Accounts
Money in reward checking accounts is readily available, easily transferable and accumulates interest at higher rates than savings accounts. But to know for sure if one is right for you, check out these facts.
Read →If you typically use your credit card for everyday small purchases like a latte or an $8 lunch, be prepared to lose the credit card rewards you get for those purchases.
Read →Capital One offers a great interest rate on its InterestPlus account, but only if you read the fine print and follow the rules.
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Another Sign of Economic Recovery: Jumbo Mortgage Interest Rates Become More Affordable
When jumbo mortgage rates fall, new home buyers aren't the only ones who benefit.
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Comparing Money Markets and Certificates of Deposit
Which is better - CDs or money market accounts? It really depends on what your investing needs are.
Read →Although home loan rates are currently at an historic low, that may soon change. You can still take advantage of the good rates now, but only if you can find a bank to approve your loan.
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