Eliminating PMI
You have to insure your home. But do you really have to insure that mortgage too? It's called private mortgage insurance, and according to money expert Stacy Johnson, for many people, it's expensive and unnecessary. Watch the short video (1:24) and tell us what you think.
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Landlord Lessons
According to the National Association of Realtors, last year Americans bought nearly 2 million homes not to live in, but for investment. Will all the new landlords be ready?
Money reporter Stacy Johnson has some tips to make sure they are.
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What Interest Rate Cuts Mean to You
When the fed lowers interest rates and gets everyone all excited, what do these lower interest rates really mean to you and me?
Homeowners: You could save hundreds of dollars a month if your loan is pegged to Treasury rates, which have fallen considerably thanks to the Fed's recent cuts. But many buyers in expensive areas resort to so-called jumbo loans, which are typically pegged to slower-moving indexes that remain elevated.
Borrowers: Several banks lowered their prime rate, which forms the foundation for car loans, home equity lines and other loans. But you must carry a whopping $5,000 credit card balance to save just $12.50 annually from a quarter-point rate cut.
Consumers: Lower rates threaten to boost inflation and the price of imports. So far, inflation has been held in check, and foreign companies generally are holding the line on prices.
Savers: Falling interest rates normally would whack rates on CDs and other savings. But the cash crunch has spurred many banks to prop up such rates.
Travelers: International vacations and business trips cost more because the dollar has sagged in the wake of the Fed's cuts. But it could be buoyed if other central banks trim rates.
So, before getting all excited about the Fed lowering interest rates again, stop and ask yourself, "What will an interest rate cut really mean to me?" The answer will probably be, "Not much."
We'd love to hear your opinion about this if you'd like to leave a comment. Click the "comment" link below to tell us what you think about interest rate cuts.
Home Builders Blaming the Media
According to new figures released recently, U.S. home builders remained pessimistic in November and are now beginning to blame the news media for their woes, worried that the national media's tendancy to report negative housing stories as if there is one real estate market, when, in fact, there is no such thing.
All housing markets are local, and our personal opinion is, builders blaming the media for their low numbers is a bunch of bunk.
What do you think? We'd love to hear your opinion on this. Click the comment link below and sound off.
