Managing Reactive Tasks
Have you ever had a day where you felt extremely productive and without warning, you somehow found yourself swimming in a pool of emails? Before…
The post Managing Reactive Tasks first appeared on Century 21®.
Have you ever had a day where you felt extremely productive and without warning, you somehow found yourself swimming in a pool of emails? Before…
The post Managing Reactive Tasks first appeared on Century 21®.
Southern California home prices are falling, eroding equity homeowners could spend on renovations or emergencies. People who bought at the peak are particularly nervous.
Table of Contents What is the VA Loan Limit? How to Apply for a VA Home Loan? What is the Median Home Price? What are the VA Appraisal Fees? Do I need Flood Insurance? How do I learn about Property Taxes? What is the Population? What are the major cities? About Bartholomew County Veteran Information […]
The post Bartholomew County, Indiana VA Loan Information appeared first on VA Home Loan Centers.
For some, this will be old hat. For others, there’s a mystifying dynamic that demands explanation. The confusion stems from years of being conditioned to believe that when the Fed “hikes” or “cuts” rates that mortgage rates move accordingly. That’s actually not exactly how it works. The Fed is currently in a rate hike cycle, so we’ll focus on that. Today was the latest installment with an as-expected 0.25% increase to the Fed Funds Rate. There are two important points in that last sentence. First off, the rate hike was entirely “as-expected.” That means the market was able to fully prepare for it in advance. One portion of the market in question is that of mortgage-backed securities (MBS). These are basically bonds that are guaranteed by pools of mortgage loans. As investor demand waxes/wanes for those securities, the value of a mortgage changes in the eyes of investors. This is what determines day to day mortgage rate movement above all else. The Fed only has 8 scheduled meetings to hike/cut rates per year whereas MBS can move as frequently as they want on any given business day. All that to say that if the market knew the Fed would hike 0.25%, it has long since been baked into MBS prices as well as the rest of the bond market. The second important point is that the Fed deals with the “Fed Funds Rate.” This is a target range for the shortest-term lending among large financial institutions. The easiest way to think of it is like the Fed setting the rate of return on a savings account. The higher it is, the more banks will park money there and the higher rates they must charge other banks and clients to borrow money (otherwise it makes more sense to just park the money in the bank and earn that interest).
We had a chilly experience in winter 2020. But thankfully, our emergency fund helped eliminate any stress from an otherwise bleak scenario.
Summer is here, which conjures images of swimming pools, hot dogs on the grill, and epic whiffle ball games. Thereâs nothing I look forward to more than warm, lazy summer days. You canât talk about summer without talking about a summer vacation. Some of the best memories of summer vacations when I was a kid […]
The post GFC TV Ep 004: Epic Roadtrip appeared first on Good Financial Cents®.
When you think of partying across America, you probably see the casinos of Las Vegas or the bright lights of New York City. But these are the real cities for nightlife.
The post The 10 Best Cities for Nightlife in America appeared first on Apartment Living Tips – Apartment Tips from ApartmentGuide.com.
Ducktown is best known for its theme parks and sports teams, but there is certainly more to uncover. Get to know 10 fun things to do in Anaheim from touring Anaheim hills to visiting Anaheim Packing District.
The post Uncover the Best of Ducktown: 10 Fun Things to Do in Anaheim appeared first on Redfin | Real Estate Tips for Home Buying, Selling & More.
A proposed project in Baldwin Village would bring 800 apartments, including housing for low-income residents, above a Costco, as well as 400 jobs.