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30-year mortgages fall for fourth-straight week Updated: Thu, May 24, 2012 The average U.S. rate for the 30-year fixed mortgage fell to a record low for a fourth straight week. Read More
30-year mortgage rate falls Published: Fri, May 4, 2012 The rate on 30-year mortgage hits record 3.85 percent. Read More
Smart Moves: Tips on landing sweet mortgage Updated: Fri, Apr 6, 2012 Rents are rising in many areas, making homeownership a more alluring alternative to renting. That's a major reason mortgage specialists are now predicting an uptick in activity among prospective first-time buyers. “In some areas it's now less expensive to buy than rent. Although the real estate market still... Read More
Will my children own my debt? Published: Tue, Nov 8, 2011 DEAR BRUCE: I am 81 and have foolishly let my credit cards get to a total of $35,000. About five years ago, I did a reverse mortgage on my house. The interest now has brought it up to more than what the house is worth. I had planned to use the money to remodel my bathroom, which I did, and I took a couple of trips.... Read More
Teens get wise to personal finance Published: Mon, Jun 6, 2011 On a recent national financial literacy exam, nearly half of Chad Posner's 84 students at Mira Loma High School scored in the top 10 percent. One of those, 18-year-old Angela Liu, scored a perfect 100 percent on the 40-question online test, whose results were released in April by the U.S. Treasury. Read More
Should brother get a home as payment? Updated: Fri, Apr 1, 2011 DEAR BRUCE: I am trying to help a friend who really can use some guidance with his finances. He has been living by himself and taking care of his own affairs for quite a long time but now he needs someone around every day to help with chores and pay bills. His brother wants to move in and help him with all of his... Read More
Home Equity Loans: Not What You Think Updated: Fri, Mar 18, 2011 Thinking of dipping into your home's equity? There are a few things you should know. —Equity is a concept, not a savings account. Equity, the difference between what you owe on your home and the amount you could sell it for now, is a number. It is a theory; it is not cash in a savings account. Equity does not... Read More
Caution: 'Scary' annuities Updated: Fri, Mar 4, 2011 DEAR BRUCE: My husband is looking to retire and he knows someone who is suggesting annuities. It is scary that you cannot touch the money once you sign up for the annuity. What is your take on them? -- Toni, via e-mail DEAR TONI: You mentioned "someone" is suggesting annuities. I would be very surprised if that... Read More
Time to Buy a New Home? Not Until You Sell the Current One! Updated: Fri, Mar 4, 2011 Q: I have a fixed-rate mortgage at 5.99 percent that doesn't have to be refinanced until 2016. I know I will want to move to a more suitable place before then, but if I sell now at current low prices, I will have very little equity left to put down on a new condo. If I stay here, I will have to spend money on... Read More
Savage Truth on Money: Understand Reverse Mortgage Options Published: Fri, Feb 4, 2011 If you know a senior homeowner who is running out of money, a reverse mortgage might generate enough cash to allow them to stay in their home for many more years. Last fall, the Federal Housing Administration created new rules, and opportunities, for lower-cost reverse mortgages. Now that most lenders have launched... Read More
Smart Money: No need to file, they already are bankrupt Published: Sat, Jan 29, 2011 DEAR BRUCE: My parents, both 80, have lived for years on their credit card, running up the balance and paying it off every month. This works great when you have ample income to cover it. For whatever reasons, they have no investment income left and are living on retirement and Social Security now. While they live in... Read More
AP survey: Outlook for 2011 economy is brightening Published: Thu, Jan 27, 2011 Economists say employers will hire more workers this year, and the economy will grow faster than envisioned three months ago, the Associated Press survey found. But unemployment will stay chronically high — nearly 9 percent by year's end, the latest quarterly survey shows. A majority of economists say it will be... Read More
Unemployment benefit applications drop sharply Updated: Thu, Dec 30, 2010 Decline in unemployment benefit applications indicates improvement in job market in U.S. Read More
I'm 72 and looking for a life Updated: Wed, Oct 20, 2010 DEAR BRUCE: I am 72 years young and am looking to live some remaining years to the fullest I can. I own a condo that's worth around $75,000, with no mortgage. I have a small amount of money in the $7,500 range for backup purposes and Social Security of $1,500 monthly. I live in South Florida, where it isn't as... Read More
Good News for Homeowners Still Hanging in There Published: Sat, Sep 11, 2010 Is there any hope to refinance my high-rate mortgage if my home has fallen in value? I keep making the payments on time, but it seems ridiculous that banks won't help you unless you fall months behind in payments. Read More
Move ahead with a reverse mortgage Updated: Wed, Aug 25, 2010 DEAR BRUCE: I just checked on a reverse mortgage. I am 63 years old, own my home and have no immediate family. My home is worth about $137,000. I have an outstanding home-equity loan for $10,500. The bank appraised my home at $125,000, because I have the outstanding equity loan. The interest rate is currently 5.49... Read More
Spouse fears a reverse mortgage Updated: Wed, Jul 21, 2010 Bruce Williams answers questions about the advisability of a reverse mortgage and about owner names on a deed. Read More
We need investment alternatives Published: Wed, May 5, 2010 DEAR BRUCE: Can you offer some suggestions as to how we can turn our investments into an income stream and protect our principal? Obviously CDs and money markets aren't producing enough interest at this time. We have $140,000 in IRAs and $45,000 401(k), all stock-driven mutual funds. We do have sufficient income for... Read More
Wanted: My $20K in back pay! Published: Wed, Apr 28, 2010 DEAR BRUCE: I've worked for a small company for several years. Things got tight and they weren't meeting their payroll. When they owed me almost $20,000, I decided it was time to pack my bags. I went to a lawyer who said he would sue them for my back wages but before the suit was brought to a successful conclusion,... Read More
Don't Refinance Without a Good Coach Published: Thu, Apr 22, 2010 Dear Mary: I am looking to refinance my home. I have no idea where to begin or whether it's a good idea. Our mortgage is a 30-year fixed loan through our credit union, and the balance is $189,177. Our annual percentage rate is 6.25. The current APR at the credit union for a fixed-rate 30-year mortgage is 4.8 to 5.5,... Read More
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