Refinancing not worth it for all homeowners
With mortgage rates at 30 year lows millions consider refinancing to save money. The Eastwoods cut their loan costs by moving from 8.3 percent on a 30 year to 6.3 percent on a 15 year saving substantial interest. However many situations make refinancing unwise such as plans to move soon insufficient rate difference high closing costs or declining home equity.
MENTIONED IN THIS ARTICLE
Knight Ridder
Chad
Rachel Eastwood
Norton
Ohio
Right card choice affects your wallet and protection
The article compares debit and credit cards, noting debit is tied to real money and offers limited protection, while credit cards provide stronger protections like zero liability and charge disputes. It advises using debit for cash and everyday buys and credit for big purchases and online shopping.
MENTIONED IN THIS ARTICLE
Knight Ridder
Jeff Sheets
Consumer Credit Counseling Service Office
Kansas City
Visa
MasterCard
Missouri
Jay Nixon
Nixon
Social Security COLA boosts 2002 benefits and earnings limits
A 2.6 percent cost of living adjustment raises 2002 Social Security benefits. The average retired worker’s monthly check climbs to about 874 and couples to 1454, with widows averaging 841. Earnings tests rise, and child tax credits increase to 1000 for each child under 17 as long as income stays under 110000.
MENTIONED IN THIS ARTICLE
CCH Incorporated
CCH
Seven easy ways to prepare taxes before deadline
Gather records in advance and include W-2s and 1099s. Save a copy and get the right forms from the IRS site. Take time to avoid mistakes and double check math and Social Security numbers. E filing with direct deposit can yield a refund in 10 to 15 days and provides confirmation. Visit irs.gov or call 1 800 829 1040 weekdays 7 am to 10 pm and Saturdays 9 am to 5 pm until April 13.
MENTIONED IN THIS ARTICLE
IRS
Irs.gov
Money funds yields edge up in seven day averages
The seven day average yield on money market funds rose to 1.59 percent from 1.58, while the 30 day average fell to 1.65. Seven day compounded yields rose to 1.60 and the 30 day compounded yield slipped to 1.66. Portfolio average maturity eased to 56 days.
MENTIONED IN THIS ARTICLE
New York
Money Fund Report
iMoneyNet Inc
Westboro
Mass
Money Funds
Bankrate.com
Savings and Loan
North Palm Beach, Fla
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John Russell
Akron Beacon Journal
Paul Tople
Trevor Renner
C.J. Mortgage
Barberton
By Paul Wenske
Atte Ey Arlir
Pomeo mC Arity Tv
RSM McGladrey
Rsmi
Fsivi McGladrey, Inc. Integrated Technology Solutions
Prudential Financial’ Planning Services
Bill Kirkpatrick Clu
Chfc
CLTC
Todd Manternaci Clu
1St Ave
Cedar Rapids
Prudential Financial
Fnancial Planning Services
Prucoorporation
Memiber Sipc
Newark
Ves Corporation
Prudential
Wital Financial
IFS
Susan Bondy
Susan
Gazette
Third Ave
Gtii
Bondy
Mivans Syndicate Inc
Dave Verwoert
4Th Ave
Investment Company Institute
John Pedersen
Mae McCausland
Pic
Wisconsin
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