And could we ever see negative mortgage rates in the U.S.?
With interest rates on 30-year fixed rate mortgages now down to about 3.75%, many homeowners want to eliminate their current, more costly loans. In fact, the Federal National Mortgage Association expects refinancing to account for up to 30% of 2019’s new mortgage business.
With so much going on in the world these days, it's easy to overlook the developments in the precious metal markets. Even as governments continue to devalue currencies, central banks across the globe have been accumulating gold. Should investors start considering a small allocation in precious metals as well?
We all have our own unique relationship with money. We certainly have our own unique way of both spending and saving money.
However, if you’re ready to start putting some money aside, or looking for tips on money management, or even the best way to pay your bills, the following tips may provide a little bit of help:
Most people think estate planning is only for wealthy people. Certainly, the 55% of Americans who died without a will thought so, even though all of their estates ended up in probate court subject to the laws of the state. Sadly, the surviving families were thrust into a situation that resulted in unnecessary distress, expense and, for many of them, devastating financial consequence