inactivityare morethantwotimesashighin 24. (wealth)countriesastheyarein countrieswherepeopleearnlow wages.Inricher countries,peopleare morelikelytospendtime 25. (sit)inoffices. How muchactivityshouldweget? Tostayhealthy,thereport26. (suggest)thatpeopledoatleast150 minutesof moderate(适中的)physicalactiv...
Adjustable-rate mortgages can be attractive to borrowers because they usually offer lower initial rates than fixed-rate mortgages, which can save you money. But those rates can also rise, which can ultimately make them a more expensive choice if interest rates increase after you take out your mo...
Jamie Young is the managing editor of loans, mortgages and credit cards at USA TODAY Blueprint. She has been writing and editing professionally for 13 years. Jamie is an expert on personal loans, student loans, mortgages and debt management. Previously, Jamie worked for Credible, LendingTree, ...
Here's what you need to know about mortgage insurance for conventional loans, which are not federally guaranteed or insured, and FHA mortgages, backed by the Federal Housing Administration. PMI for conventional mortgages Many lenders offer conventional mortgages with low-down-payment requirements — so...
Although late payments are undesirable, they often come with few, if any, consequences. Many lenders have a 15-day grace period that allows borrowers to make payments after the due date without penalty. However, if the payment is officially “late” (that is, post-due date), the lender is...
Adjustable-rate mortgages (ARMs) are great for minimizing your monthly mortgage payment in the early years of owning a home. But when interest rates start to rise, the monthly payments on an ARM may go up as well. To avoid increasing payments, you can switch to a fixed-rate mortgage. Whi...
This step would have been averted if local lenders were forced to own a piece of the pie. That is really it. There are many ways to “solve” this problem but making local lenders responsible for the note would at least force some due diligence. After all, ...
Keep in mind, however, that if you wait until the last minute to contact a professional to file your taxes, they'll probably end up filing an extension for you since they are typically slammed right before the due date. Plan for Next Year's Self-Employment Taxes Start prep...
If the funds from the cash-out refinance are used to pay offcredit carddebt orpersonal loans, borrowers can save money on the debt servicing costs due to the mortgage loan's lower interest rate. Also, your finances can improve if the new loan consolidates debt, reducing the number of loan...
for example, if you have a lump sum of money due to you in two years but not enough cash flow in the meantime, a two-year personal loan could be a way to bridge that gap.