How does a Roth IRA grow over time? #roth #ira #compound


How does a Roth IRA grow over time?

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Roth IRAs are a GREAT tax bucket to help you save for retirement. They will grow both with additional annual deposits, Roth Converstion (from traditional IRAs) or by growth of your underlying Investments (these can be stocks, bonds, mutual funds, ETFs, real estate and sometimes even private deals). I reserve my Roth IRA personally for some of my higher growth investment ideas.

One of the things that I like about the growth of a Roth IRA is that all the growth will be tax-free when you take it out in retirement. If you compare that to other TAXABLE sources like pensions, Traditional IRA/401k withdrawals, Social Security and other investment income, it may be the only tax free source of income that you will have in retirement. This is very important especially if you believe that taxes will be higher when you retire and you would like a bucket of funds available tax free. It is also not subject to the ACA/Obamacare 3.8% Net Investment Income Tax.

One of the biggest issues with Roth IRAs is that not everyone is eligible as their income is above the annual income limits (approx $133k if single and $194k if married). To get around that, you may want to look into doing Roth Coversions – or even a Back Door Roth Contribution .

Also, many make mistakes when using Roth IRAs – here is a piece I contributed to that may help you avoid these mistakes:

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Your Roth IRA account grows over time thanks to two funding sources: contributions and earnings. While your contributions to your individual retirement account. or IRA, are the most obvious source of growth, the potential for your savings to earn interest and the power of interest compounding are equally important factors.

What Is A Roth IRA?

IRAs are popular savings vehicles among those who understand the importance of planning ahead for retirement. Rather than relying on the retirement savings accumulated through payroll deferrals made to an employer-sponsored savings plan such as a 401(k), IRAs allow even the self-employed to contribute during working years to ensure financial stability later in life.

The defining characteristic of a Roth IRA is the source of contributions. Like 401(k) plans. contributions to traditional IRAs are made with pretax dollars, meaning you must pay income tax when you withdraw the funds later. Contributions to Roth IRAs. conversely, are made with after-tax dollars, so any contributions you make are yours to withdraw tax-free at your discretion.

Roth IRA Growth

The beauty of an IRA, whether Roth or traditional, is your account can grow even in years you are not able to contribute. In addition, the amount of growth your account generates can actually increase each year through the magic of compound interest. Basically, this means that every year your contributions earn interest, your balance is increased. The following year, you earn interest on this increased balance, meaning the total amount of interest earned increases each year even if you are no longer contributing to your account. While simple interest is the interest earned on your contributions, compound interest is the interest earned on prior years interest.


Assume you contribute $3,000 to your Roth IRA for 20 years, for a total contribution of $60,000. In addition to your contributions, your account earns $5,000 in interest, giving you a total balance of $65,000. To ramp up your savings, you decide to invest in a mutual fund that yields 8% interest annually.

Even if you stop contributing to your account after the 20th year, you earn 8% on the full $65,000 in the 21st year. You earn $4,800 in simple interest and $400 in compound interest, increasing your account balance to $65,000 * 1.08, or $70,200.

The second year after your last contribution, you continue to earn 8% on the sum of your contributions and previous earnings, yielding another $70,200 * 0.08, or $5,616, in total interest. Your balance is now $75,816. You gained nearly $11,000 in just two years without making any additional contributions.

In the third year, you earn $6,065, increasing your balance to $81,881. If you fast forward another five years, your account earns another $38,429 in interest, and your total balance is $120,310. Without contributing anything further to your account, your Roth IRA has nearly doubled in the past eight years through the power of compound interest .

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Getting the best high interest savings account #high #interest #online #savings


Best high interest accounts

Ready to compare?

The good news is that since April 2016, the introduction of a new Personal Savings Allowance (PSA) has meant that basic-rate taxpayers can earn £1,000 of savings interest without the taxman taking a slice, and higher rate taxpayers can earn £500. Additional rate taxpayers are not eligible for a PSA.

And the fact you can shelter up to £20,000 from the taxman in cash through an Individual Savings Account (ISA) this tax year is another godsend – as you get to keep every penny of the interest you earn.

Here’s our guide to the best high interest accounts that you can use to grow your savings pot.

Cash ISAs

Cash-ISAs allow you to earn interest tax-free so, it makes sense to max out your ISA allowance before stashing money into a standard savings account.

Since July 1, 2014 you have been able to hold all of your ISA allowance in cash. ISAs have become even more flexible since April 6, 2016. If you hold cash in an either an investment, cash, or Innovative Finance ISA, you can take this cash out of your account and put it back in within the same tax year without this affecting your annual allowance. Not all ISA providers may offer this flexibility, so check with yours before withdrawing any money.

The difference between the best and the worst savings accounts is significant

Current accounts

If you have already used up your ISA allowance, you might think a standard savings account is the next best place for your nest egg.

But these days, the best interest rates can actually be found on some current accounts. Some pay up to 5.00% on smaller balances of a couple of thousand, or 3.00% on balances of up to £20,000.

You usually have to switch your current account completely to benefit from these deals, but the introduction of the Current Account Switch Service in September 2013, means the process is now hassle-free and can be carried out in seven working days.

Easy access accounts

Also known as no-notice accounts, easy access deals give you instant access to your cash whenever you want it. That makes them a great home for emergency cash that you can call on to pay for a broken boiler or car repairs, for example.

The bad news is that interest rates on easy access accounts are generally pretty low – particularly if you don’t shop around for the best deal.

Better-than-average rates are usually reserved for internet-only accounts, while some employ introductory bonuses to boost the advertised rate – but which run out after the first 12 month.

Even if there isn’t a bonus, rates tend to be variable so keep a close eye on what the account is paying and switch deals if it’s no longer any good.

Some accounts that call themselves easy access may also limit the number of withdrawals you can make each year without losing interest – so check this too.

Notice accounts

With notice accounts, you generally have to wait between 30 and 120 days to withdraw your money. This means they won’t be suitable if you need access to your cash in a hurry – as the terms state you will lose interest if an emergency withdrawal is made.

While notice accounts tend to offer higher interest rates than those that provide instant access to your money, this isn’t always the case – so check out easy access rates too before applying.

And as most easy access accounts have variable, rather than fixed, rates, it’s just as important to monitor your returns and switch if the deal is no longer competitive.

Regular savings accounts

Regular savings accounts, which require a set monthly payment – often between £25 and £300 – are a great option for building up savings.

But while rates are higher, the overall benefits are limited as you will only earn interest on the amount in the account as it builds up. You will also be penalised for missing a payment and you won’t have access to your money for the typical12-month term.

Fixed-rate bonds

Fixed-rate bonds are savings accounts that offer a fixed interest rate on your cash for a set period of time, say between one and five years.

The pay-off for giving up access to your money by paying into an account of this kind is that you should receive a higher rate than you will on an easy access or notice account.

And, generally speaking, the longer you’re prepared to lock your cash away for, the higher your return will be.

You will have to pay a penalty should you need to access your money within the term, though.

As most fixed-rate bonds do not allow you to add to your balance, they are also only suitable for people with a lump sum to invest.

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Best CD Rates #cd #rates, #best #cd #rates, #certificate #of #deposit,


Finding the Best CD Rates

By MoneyRates Team

CD rates can vary greatly from bank to bank, even among CDs of the same length. Shopping around for the best CD rates can make the difference between earning some extra money and missing out on an opportunity.

Here s an example: consider two 5-year CDs, each with $50,000 deposited in it. One has an annual percentage yield (APY) of 2.35 percent, while the other has an APY of 1.80 percent. How much of a difference in earnings would that APY difference make over the terms of these CDs?

Here s how much each CD would be worth at the end of five years:

Estimated savings at end of 5 year CD term

* doesn’t include fees

There may be other differences to consider, such as fees or early withdrawal penalties, but just on the basis of their interest rates, finding the higher-yielding CD in this case would be worth nearly $1,500 over five years. Who would want to leave that kind of money on the table?

To help you get more for your money by shopping for better bank rates, MoneyRates has compiled a searchable database of different rates offered by banks around the country. Using the tool below, you can specify the type of account, desired CD length, and amount of deposit. The results will allow you to compare different rates on deposit accounts that meet your specifications.

Here are four other key considerations as you shop for the best CD rates:

1. Higher CD rates vs. risk of early withdrawal fees

Generally speaking, the longer the CD term, the higher the yield. But rates can change. If you lock into a CD and interest rates stay the same or fall during the term, it s no problem. If rates climb in the months or years after, you’ll wonder what your options are for taking advantage of higher rates.

How to minimize impact of withdrawal penalties

If this is a major concern, focus on where the withdrawal penalty is low enough that it might make sense to take the hit and then reinvest at the higher rate. Be sure to crunch the numbers before moving your money.

Here’s an example that might help: You open a 2-year CD with a 2% APY and an early withdrawal penalty of six months in interest. CD interest rates have since climbed to 5% in this scenario.

Why look for higher CD rates

If you break your CD to open a new one with a higher rate, it will cost you half your interest to that point, effectively reducing your APY for the first year to about 1%. But, if you re able to secure that 5 percent interest rate during the second year, your average APY for the two-year term will equal about 3%, or 1% more annually than you would have earned if you stuck with the original CD.

To make this a viable strategy, you should review the potential penalties before you open a new CD. If you find two CDs that are identical in most ways, compare their early withdrawal penalties. The one with the smaller penalty may offer you more flexibility if you need to exit the account sometime during the term.

2. CD interest rates and trends

You don’t have to be an economist to follow interest rate trends, including for short term CD rates . For most savers, paying attention to the news headlines is enough. Decisions that could move short term interest rates are made by the Federal Open Market Committee.

Historically, interest rates have dipped lower, lower and then lower again, affecting deposits of all stripes, including CDs. Here’s a look at the average yield on a 12-month CD since 2009. This makes shopping around critical in maximizing your savings.

3. The power of the CD ladder

If you d like your savings to earn maximum interest while still maintaining some regular liquidity, a CD ladder may be the way to go. This consists of multiple CDs with staggered maturity dates, which allows you regular, penalty-free access to a portion of your savings while still earning higher interest rates overall.

Why invest using a CD ladder

This is a great option if you intend to use or reinvest some portion of your savings on a regular basis, but don t anticipate needing the whole of it at any given time. When done correctly, you can end up with a stable of long-term CDs in which at least one account reaches maturity every few months, offering you the option to access it or simply push it ahead to reach maturity at a chosen point in the future. After seeing your options, narrow down your list for the best long term CD rates .

Length of CD terms

4. Unconventional CDs

While traditional CDs are by far the most popular type, some banks offer their own twist on the usual product. A raise-your-rate CD is a special type of certificate that allows you to bump up your interest rate one or more times during the term (assuming rates have in fact risen), and indexed CDs forgo a fixed interest rate in favor of a variable rate that moves in accordance with a benchmark indicator.

Foreign CD investments

Even more exotic, CDs that are denominated in foreign currencies allow investors to effectively gamble on the relative values of a nation s currency. These vehicles may come with more risk than a typical CD though, as they may allow a loss in principal if the chosen currency loses value over the course of the term.

FDIC insurance coverage and CDs

If safety and stability are paramount to you, a conventional CD may be your best choice so long as you ensure that the bank you choose is insured by the FDIC. FDIC insurance coverage is designed to protect funds up to $250,000 per depositor, per institution in the event of a bank failure, and it has never failed to cover insured deposits since the FDIC s inception in 1933.

FDIC-insured banks must display the FDIC emblem in their branches or, in the case of online-based banks, on their website. Credit unions also have deposit insurance and are considered just as safe as traditional banks.

Advertiser Disclosure: Many of the savings offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all deposit accounts available.

Certificate of Deposit Accounts


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How to Transfer a Credit Card Balance – ABC News #credit,




Yahoo!-ABC News Network | 2017 ABC News Internet Ventures. All rights reserved.

How to Transfer a Credit Card Balance

Here is what you need to know before and after a credit card balance transfer.

Credit card balance transfers can be an invaluable tool for managing credit card debt. This tactic allows cardholders to move their debt from a card with a high interest rate to one with a lower interest rate, or no interest charges at all.

While it’s not inherently complex to transfer a credit card balance, there are still several important things that cardholders need to be aware of before, during, and after.

Before You Transfer a Credit Card Balance

1. Make sure you keep up with all of your payments. This will allow you to maintain excellent credit and find a balance transfer offer with the best possible terms. The right card may be one you already have with a lower interest rate than the one you are using, or it may be a new card with a 0% APR promotional balance transfer offer. In fact, you may be able to get a promotional financing offer from one of your existing accounts, possibly in the form of a convenience check.

2. Understand all of the terms and conditions of the balance transfer. Know what the card’s credit limit is, its interest rate on balance transfers, and what the balance transfer fee will be. Balance transfer fees are typically 3 percent of the amount transferred, but not always. Chase Slate currently has the only 0 percent APR promotional balance transfer offer with no balance transfer fee, although others can have fees as high as 5 percent.

In the case of promotional financing offers, learn how long you have to complete a qualifying transfer, and the length of the promotional financing period. Typically, promotional balance transfer offers must be completed within 30 days to four months of the account opening, and can last from between six and 18 months. Keep in mind that even though the terms might not explicitly say so, banks will not allow balance transfers between their own accounts.

3. Make a plan. Come up with a sound financial plan for paying down your debt. otherwise your balance transfer is just another form of postponing your obligations.

Making the Transfer

Contact the bank that you are transferring the balance to and ask to perform a balance transfer. Be prepared to give the account information for the other card, and the total amount you want transferred.

After the Transfer

Continue to make at least the minimum payment required from the old credit card, and if you have paid your entire debt, make sure to get a statement from your bank. However, keep your old account open in order to maintain a low credit utilization ratio. which will help your credit score.

Most importantly, stick to the plan that you created to reduce your debt. Recognize that it probably will not be possible to take advantage of promotional financing offers over and over again.

By understanding some of the nuances of balance transfers, cardholders can use these offers to save as much money as possible on their credit card interest charges.

This work is the opinion of the columnist and in no way reflects the opinion of ABC News.


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Los Angeles Home Appraisers #real #estate #appraisal, #appraiser, #los #angeles #home


Hello and Welcome To APPRAISING LA

Your #1 choice for LOS ANGELES Home Appraisers

A t APPRAISING LA we specialize in providing a quick, low cost, and high-quality home appraisal service for the greater Los Angeles area. With locations in Sherman Oaks, Tarzana, Los Angeles, and Lakewood, it’s never been easier to get your home appraised by courteous and skilled professionals today. If you are looking to get an accurate, fast and low cost home appraisal than you came to the right place!

Our licensed, certified and experienced staff of Los Angeles home appraisers has extensive knowledge in real estate valuation and services, so it doesn’t matter which type of home you possess. And since we concentrate on such a specific segment of the housing market geographically, our small team comprised of only five skilled home appraisers has become closely acquainted with the local neighborhoods and sets the standard for home appraisal in the Los Angeles area. We appraise single family homes, PUDS, condominiums, multi residential dwellings and commercial properties in fixer upper condition to multi-million dollar expansive mansions!

Our client list is extensive – as Los Angeles home appraisers we are qualified to provide property valuations to the entire Los Angeles area and surrounding counties. From the biggest home to the smallest, the most important thing to us is the satisfaction of our customers. APPRAISING LA works hard to earn your business and more importantly – to gain your trust.

The majority of our home appraisal services range from only $250 to $500 with 24-72 hr turn time. You will save time money, call MAX for a quick quote and make it a HAPPY Day!

LA•Hollywood•Beaches 310.994.5070 | SFV•Ventura•Orange 818.793.1510

We Specialize In Quality, Rush Service And Best Prices In L.A. !”

Happy July 2017 Specials! – APPRAISING LA

Desktop Home Appraisal – $175

Multiple Home Appraisals – $175 Off

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Tennessee Auto Title Services – Auto Title – Bonded Title –


Tennessee Auto Title Services assists vehicle owners with car title registration problems in YOUR LOCAL COUNTY and surrounding cities. Do you need help with an auto title issue?

Auto Title Service Office: 1-877-845-2368
Fax: 1-877-512-2622

We Are The Tennessee Auto Title Cowboys! Classic Cars, Muscle Cars, Hot Rods, Collector Cars, Luxury Cars, Competition Cars, Race Cars, Sports Cars, Passenger Cars, Light Trucks, Heavy Trucks, Kit Vehicles, Motorcycles and Mopeds.

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Call Tennessee Auto Title today!

Did you purchase a used motor vehicle from an individual who DID NOT PROVIDE you with a valid Tennessee Certificate of Title at the time of sale? NO TITLE? NO PROBLEM! Call now!

We specialize in all Auto Title Services including:




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Live Floor Trailers
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Tennessee Auto Title Company dba Houston Auto Appraisers serves the entire state of Tennessee including all major cities: Nashville TN, Memphis TN, Chattanooga TN, Knoxville TN, Gatlinburg TN, Murfreesboro TN, Pigeon Forge TN, Clarksville TN, Johnson City TN, Franklin TN, Kingsport TN, Oak Ridge TN, Sevierville TN, Cookeville TN, Brentwood TN, Jackson TN, Hendersonville TN, Maryville TN, Crossville TN, Germantown TN, Mt. Juliet TN, Cleveland TN, Bristol TN, Greeneville TN, Lebanon TN, Morristown TN, Collierville TN, Smyrna, Gallatin TN, Spring Hill TN, Lynchburg TN, Manchester TN, Columbia TN, Jonesborough TN, Goodlettsville TN, Bartlett TN, Elizabethton TN, and Sewanee TN.


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College Visits and Tours for Families #planning #college #visits, #personal #assistant,


The professionals at Custom College Visits have the in-depth knowledge and experience to create amazing college road trip experiences for your family.

Each custom designed itinerary includes all on-campus meetings and activities, as well as coordination of travel and hotel logistics.

Itineraries are designed based on colleges that interest your teen and each trip is scheduled according to your preferred travel dates.

Not sure what type of college will be the best fit for your teen?

We will plan a multi-campus itinerary that will let you and your teen explore different types of colleges and universities all based on your teen’s specific educational interests and lifestyle preferences.

Since 2009, Custom College Visits has been privileged to assist teens and families from around the world with their college tours.

Summer college tours can be particularly challenging for parents or teens to organize.

Call us +1 (650) 931-4515 or (800) 930-1701 for a free consultation.

Please scroll down to read what parents say about our college road trip itineraries.

“A friend who is a maven in finding outstanding resources, recommended Janice and Custom College Visits as we began the daunting college selection process. We worked with Janice on two fronts; to help create a list of colleges and to set-up meaningful colleges visits. The college visits were also a lot of fun for us as a family and very informative on so many levels. More importantly Janice helped make the college selection process manageable, not so daunting after all, and we felt no stone was left unturned in this important decision.

Tracy P. Parent of a New York City high school Senior

Thank you so much for planning such a wondrous experience for our son. The careful attention to detail was evident at every turn. Custom College Visits planning effort provided an appropriate path of discovery for our son and for us.

Michael C. New Jersey parent of a high school Junior

Hi Janice, Our trip was a thoroughly enjoyable family adventure! Thank you so much for the unique opportunities that you created for our daughter at each college. Meeting with a student at Harvard, was probably the most informative way to start the entire trip. She devoted a lot of time (in the rain) providing real college life details. She swiped us into dining halls, dorms & buildings that we might not have seen otherwise. The sophomore session at Princeton was wonderful! Thank you so much for everything that you did! We really were able to get the most out of each campus visit! Best, Julie

Julie, Parent of a high school Junior in Southern California

I found working with Custom College Visits a very positive experience. They were able to pinpoint colleges that were best suited for my daughter and the travel plans were well organized. In addition, they were able to set up an interview with a member of a college color guard, as my daughter had expressed interest in going to a school that had a color guard. I am very pleased with my experience with Custom College Visits, and would recommend them highly.

Mark L. Parent of high school junior in Northern California

Lili got accepted into her first choice school today (early decision): Boston University! She is thrilled beyond belief and relieved as well. We could not have done it without your help, it was invaluable. I think the High School Honors program she did there was probably very helpful and we would not have know about it without your forwarding the information to us. You rock! So, I am tipping my hat today to both you and Lili!

Kim T. Parent of high school senior in Kansas

I am happy to tell you that Nivi has been accepted early decision to Brown University. She is the first ivy leaguer in our family and we couldn’t be more proud! Her decision to apply was made easier because of the excellent experience she had during her customized tour via your company so thank you so much! We will be sure to recommend you to our friends here..

Gayathri S. Parent of high school senior Chennai, India

Thank you again for being so good at what you do. Our trip to the US was a huge success. I was on the verge of cancelling the trip but knew I couldn’t let my son down. That I even found you on the internet was a direct answer to my prayer for a miracle. The itinerary worked very well. I knew I was in good hands even before I boarded the plane to the U.S. and your attention to detail far exceeded my expectation.

Egbe O. Parent of international high school student

We had a wonderful trip to Philadelphia and Boston thanks to Janice Caine of Custom College Visits. She worked out an itinerary from start to finish. We visited 9 schools and it was as smooth as possible. Janice worked out tours and information sessions as well as meetings with tennis coaches.We have boy/girl twins and both were happy which is not an easy achievement. Not only did Janice work out the schedule but she recommended great schools in both towns. We would highly recommend her.

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“Thank you SO MUCH for your involvement in the Splash Parents’ Program this weekend! I am just reviewing the feedback forms, and your presentation received rave reviews across the board; many parents cited it as the highlight of the program for them! Some verbatim quotes include: ‘The Planning and Preparing for College Visits was a great eye opener;’ Thank you for all the effort, energy, and enthusiasm you put into making the event such a success.”

Marisa M. Coordinator, Splash Parents’ Program Stanford University

Our college process was two-fold. It began with getting a jump start on the standardized testing, and not waiting until spring of junior year to focus. I believe our outcome was successful because we had a well-managed plan helped along by an expert, Janice Caine, of Custom College Visits.

Lisa L. Parent of high school students SF Bay Area

Happy New Year! Wanted to let you know that Charlie was accepted to Johns Hopkins Early Decision! Great news and very exciting all around. Thank you for all your help.

Beth A. Parent of a high school senior. Massachusetts


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Credit Card Debt vs #credit #card # #interest #installment


Many of the credit card offers that appear on this site are from companies from which NerdWallet receives compensation.

The results of our “card comparison and finder tool”, card assessments, and reviews are based on objective quantitative and qualitative analysis of card attributes. They are not affected by compensation.

Compensation may impact which cards we review and write about and how and where products appear on this site (including, for example, the order in which they appear).

While we try to feature as many credit cards offers on our site as we can maintain (1,200+ and counting!), we recognize that our site does not feature every card company or card available on the market.

Additionally, our star ratings are a mix of user feedback and NerdWallet’s independent evaluation which are independent of compensation.

For a list of all of our advertising partners, click here

Credit Card Debt vs. Installment Loans: Which to Pay Down First?

With so many websites offering free financial tools, it can be hard to know whom to trust. At NerdWallet, we spend literally 1,000s of hours researching partner offers and following strict editorial integrity to match you with the perfect choice. We even share how we make money so you can enjoy our expert advice and researched recommendations with total clarity and confidence.

If you want to pay down your debt, you are most likely researching ways to do just that. A common question that comes to mind is which should be paid down first, your credit card debt or installment loans, which include mortgages, car loans and student loans.

You may have heard that credit card debt — even if that debt is on a balance transfer credit card — should be a priority over paying down an installment loans.

An installment loan is paid in equal monthly amounts. Credit card debt carries a monthly minimum payment that can fluctuate according to the outstanding balance on the account. But many consumers pay off their credit card balance each month, or at least make more than the minimum payment.

Focus on credit card debt first

There are several good reasons for prioritizing your credit card debt over an installment loan:

BUILD your credit score

The first relates to your credit score. When you pay down your credit card debt, you are reducing the amount you owe and increasing the amount of credit available to you. That means lower credit utilization, which can translate to a higher FICO score or VantageScore.

Paying your installment loan on time reflects well on your credit report — but it doesn t have as large an impact as lowering credit utilization does.

Also, your credit score takes into consideration whether you have different types of credit open. Having some installment loans (in addition to revolving credit such as credit cards) and steadily paying them throughout the life of the loan will help your credit score.

focus on interest rates

In addition, if you look at your credit card statement and compare it against your mortgage or auto loan bill, one number will jump out at you — the interest rate. In general, your credit card will have a much higher interest rate than your installment loan — in many cases at least 10% higher (but check to be sure). This is another good reason to pay down your credit card debt first.

remember tax benefits

With a mortgage installment loan you also may be eligible for a tax benefit in the form of deductible interest. You can’t earn tax benefits from your credit card debt.

Watch the calendar

Finally, if you recently transferred your debt to a 0% APR balance transfer credit card or are thinking about taking advantage of a balance transfer credit card offer, you’ll want to pay off the balance before the 0% offer expires.

This article updated May 17, 2016.

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Academic Programs – Health Information Technology #health #information #technology #program, #health


Academic Programs Health Information Management

Visit the Health Information Management Academic Program page on MC’s online catalog

The US Department of Education requires colleges to disclose a variety of information for any financial aid eligible program that prepares students for gainful employment in a recognized occupation. Midland College is committed to creating an educated workforce by offering occupational programs that lead to gainful employment.

Medical Coding Specialist
Health Data Coordinator
Health Data Specialist – Physician Practice

The Health Information Management online associate degree program is accredited by the Commission on Accreditation for Health Informatics and Information Management Education (CAHIIM). According to the Bureau of Labor Statistics, health information management jobs are expected to increase by 15% from 2014-2024. The median income is $37,110, (2015 statistic), but additional credentials do add to the marketability of professionals.

The HIM program was established in 1998 as a traditional face-to-face program. In 2007-2008, the HIM program transitioned to an “online only” program to meet the needs of working students and professionals. The exception to online courses are the requirement for clinical courses completed onsite at a facility (HITT 2261 for the associate degree and HITT 1167 for Medical Coding Specialist certificate).

Program Statistics for years 2011- 2016 :
Registered Health Information Technologist: 91 % pass rate for graduates t aking RHIT exam.
Employer Satisfaction Rate: 100%
Student Graduate Survey, Satisfaction Rate: 100%

Many students admitted into the program have already completed one degree, and some have bachelors or masters degrees. The reason they pursue the associate degree training is to be eligible for the Registered Health Information Technician (RHIT) upon graduation. The RHIT credential, and the RHIA credential for the bachelor’s degree, continue to be a preferred credential that healthcare employers seek when hiring Health Information Management candidates.

Online Technology Requirements

Students meet the minimum requirements listed on Canvas to complete the courses. See for details.

Students must be self-motivated, able to comprehend information in written form, and have the ability to communicate effectively both in written and verbal forms. Students should also be able to research websites, upload and download documents, post discussions, and access email. The courses are not self-paced, but have scheduled weekly due dates for assignments, discussions, and tests. Students should expect to spend 6 9 hours per 3 hour credit course to complete assignments, readings, and tests. Instructors are available to answer questions online or by phone related to course topics.

Skills Needed for Health Information Profession:

ability to analyze patient data for payment or registry information,
able to sit for long periods to complete work at work station
research and review patient information for regulatory compliance,
code and categorize patient information using standard coding systems.
communicate effectively with patients, physicians, and other customers
ability to work under pressure to meet deadlines
keyboarding skills and ability to use software systems, patient portals, etc.

Students may apply to the program in the semester they are completing the prerequisites. Final grades will be verified before admittance. Students are accepted prior to each semester (Summer, Fall, and Spring). Most of the students in the programs are considered part-time; taking 2 to 3 classes each semester since most have part-time or full-time jobs. There are approximately 70-80 students taking HIM classes or prerequisite courses to gain admission to the program.

Clinical Requirement Onsite:

Students that live outside the local Midland area are able to locate clinical sites in their area with the assistance of the HIM program. More information and directions are given to students upon acceptance into the program (courses related to associate degree and Medical Coding Specialist certificate). Prior to the clinical course, students are required to meet certain facility requirements to attend clinical practice. These include a background check, drug screen, immunizations, and other requirements based of the facility. More information provided prior to clinicals.

See Frequently Asked Questions for more information and application.

Click on the links below for the suggested sequence of courses for Midland College’s Health Information Management associate of applied science degree and for the various Health Information Management certificates.

Click on the links below for the suggested sequence of courses for Midland College’s Health Information Management associate of applied science degree and for the various Health Information Management certificates.

Associate of Applied Science Degree for Health Information Management

Medical Coding Specialist Certificate

Health Data Coordinator Certificate

Student Support Coordinator, Raquel Valenzuela, RHIT
2 1 8 DFHS, 432-685- 6893

Midland College is accredited by the Southern Association of Colleges and Schools Commission on Colleges to award certificates and associate and baccalaureate degrees Contact the Commission on Colleges at 1866 Southern Lane, Decatur, Georgia 30033-4097 or call 404-679-4500 for questions about the accreditation of Midland College.

Notice of Non-discrimination (Title IX)


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Apply Now #mortgage #rates, #quicken #loans, #current #mortgage #rates, #today ##039;s


Quicken Loans Is Here to Get You an Affordable Mortgage with Amazing Client Service.

*Product available on Fixed Rate Conventional Products only. No FHA, VA or Jumbo Products. No State Restrictions.

By submitting your contact information you agree to our Terms of Use and our Security and Privacy Policy. You also expressly consent to having Quicken Loans, our Family of Companies. and potentially our mortgage partners contact you about your inquiry by text message or phone (including automatic telephone dialing system or an artificial or prerecorded voice) to the residential or cellular telephone number you have provided, even if that telephone number is on a corporate, state, or national Do Not Call Registry. You do not have to agree to receive such calls or messages as a condition of getting any services from Quicken Loans or its affiliates. By communicating with us by phone, you consent to calls being recorded and monitored.

To be eligible for HARP, your original note must be dated on or before 5/31/2009, and your mortgage must be securitized by Fannie Mae or Freddie Mac with a loan-to-value (LTV) equal to less than 200% of the current market value of your home. You must be current on existing mortgage payments and make sufficient income to support the new mortgage payments. Quicken Loans must be participating with your Mortgage Insurance provider in order for you to qualify. The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for federal income tax purposes. A tax adviser should be consulted for further information regarding the deductibility of interest and charges.

Based on a Quicken Loans market research questionnaire of clients whose loans closed between 7/1/2016 and 12/31/2016.

Quicken Loans received the highest numerical score in the proprietary J.D. Power 2010 – 2016 Primary Mortgage Origination studies and the 2014 – 2016 Primary Mortgage Servicer studies. 2016 Origination (or Sales) based on 5,182 total responses and measures experiences and perceptions of consumers who originated a new mortgage, surveyed in July – August 2016. 2016 Servicing based on 7,542 total responses and measures experiences and perceptions of consumers with their current mortgage servicer, surveyed in March – April 2016. Your experiences may vary. Visit .

NMLS #3030. Go here for the Quicken Loans NMLS access page.

Quicken Loans, 1050 Woodward Avenue, Detroit, MI 48226-1906.
©2000 – 2017 Quicken Loans Inc. All rights reserved. Lending services provided by Quicken Loans Inc. a subsidiary of Rock Holdings Inc. “Quicken Loans” is a registered service mark of Intuit Inc. used under license.


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30-Year Jumbo Home Loans, ARM Loan Rate Deals #jumbo #home #loans,


Best 30-year jumbo home loans charge just 3.25%

In our roundup of July’s lowest rates on 30-year jumbo home loans, you’ll find several banks offering cut-rate deals on home loans in areas throughout the country.

All of the banks on our list are charging borrowers 3.25% or 3.375%, with no points.

That means you can find a deal that’s nearly half of a percentage point below the national average rate for jumbo loans — 3.64%, according to our latest survey of major lenders.

Here are some of the best rates on 30-year jumbo home loans that banks are offering:

Banks: Top jumbo home loan rates

Alabama, District of Columbia, Florida, Indiana, Kentucky, Maryland, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Washington State, West Virginia

Connecticut, Delaware, District of Columbia, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Virginia, Vermont

Credit Unions: Top jumbo loan rates

While banks large and small are offering great rates on jumbo mortgages, it’s worth checking at credit unions as well.

One of the best deals on 30-year jumbo home loans from a credit union is from Teachers Federal Credit Union which is offering jumbo loans at 3.25% with $2,086 in fees.

Based in Farmingville, New York, and unrated by the Better Business Bureau, membership is open to borrowers who live, work (or regularly conduct business), worship or attend school in Nassau County, New York, and some parts of Suffolk County, New York. You can apply in person or online.

What are jumbo home loans?

Jumbo loans are mortgages that are too large to be purchased by Fannie Mae and Freddie Mac, the two government-owned companies that buy most of the mortgages issued by banks and other lenders.

The largest loans they can buy depend on where the home is located but range from $417,000 in most places to $625,500 in the nation’s most expensive cities. If you need to borrow more than that, then you’ll need a jumbo loan.

Finding the best mortgage rates

Even if you don’t live in the areas served by these lenders, their low rates and fees provide a great blueprint to follow. Find a deal like these in your neck of the woods, and you’ll know you’ve found a great one.

Get started by searching Bankrate’s database for the best mortgage rates from scores of other lenders in your area.

What you’ll pay

For a jumbo loan with a rate of 3.250%, the lowest rate listed above, the principal and interest payment would be just $435 a month for every $100,000 borrowed, or $3,482 on a $800,000 loan.

With a rate of 3.375%, which is what most of the lenders shown here are charging, your principal and interest payment would be $442 a month for every $100,000 borrowed, or $3,537 on a $800,000 loan.

You can use our mortgage calculator to determine the monthly payment for the exact amount you want to borrow with this or any home loan.

Although mortgage rates have defied all predictions and jumbo loan rates are the lowest we’ve seen this year thanks to the Federal Reserve continuing to keep interest rates low and Great Britain’s decision to exit the European Union, it’s a pretty safe bet that rates will move higher in the next few years.

And don’t forget to factor insurance, property taxes and association fees into the payment, which can really bump up your monthly housing cost.


Borrowing requirements vary by lender, but to qualify for these low rates, you’ll typically need to:

  • Borrow more than $417,000 in most areas, or more than $625,500 in high-cost areas.
  • Have a credit score of 740 or better.
  • Be buying a home or refinancing no more than the outstanding balance of your current home loan.
  • Make a down payment of at least 20% if you’re buying.
  • Hold 20% or more of the equity in your home if you’re refinancing.

In addition, some lenders may require you to maintain an escrow account for property taxes and homeowners insurance to get the best interest rate.

Keep in mind that you don’t want to drain your savings and take on mortgage payments that you’ll struggle to afford every month. Here’s how to figure out how much house you can afford .

What are some of the best jumbo home loans that you’ve found?

Glossary More Terms


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Transfer your credit card balance #balance #transfer,transferring,credit #card #debt,save #in #interest,calculate


Transfer your balance

What is a balance transfer?

A balance transfer involves moving the outstanding balance from your non-ANZ credit or store card account to an ANZ Low Rate Visa. You can choose to transfer the balance of your credit or store card balance to ANZ and pay just 1.99% p.a. for 12 months* on that balance.

Transferring your balance to a card with a lower interest rate such as the ANZ Low Rate Visa can help you save on interest.

Calculate how much you can save in interest by transferring your balance to ANZ

All you need to do is let us know how much you owe on your existing credit card and what interest rate you’re currently paying.

Balance Transfer calculator

Balance to transfer: Min $100

Your current interest rate: % p.a.

By transferring your balance to an ANZ Low Rate Visa, you could save:

$X.XX Over 12 months

This is an estimate only and is based on the information you have entered, and is not an offer of finance by ANZ. The ANZ Low Rate Visa requires a minimum monthly payment of 3% (minimum $10) of the outstanding balance by the due date each month. This guide takes into account the minimum monthly repayment of 3% to estimate the amount you could save but otherwise assumes no other repayments are made. Savings only apply to the amount transferred and don’t take into account any further card transactions. Savings are calculated using ANZ’s balance transfer interest rate of 1.99% p.a. After twelve months our standard purchase interest rate for ANZ Low Rate Visa (currently 13.90% p.a. will apply to any remaining balance transfer amount. Actual savings may vary, particularly if you do not meet (or repay more than) the minimum repayments each month. A half-yearly card fee of $17.50 applies.

How does a balance transfer work?

What happens once my application for a balance transfer is approved?

We will work with your other card provider to transfer the balance on that card to your new ANZ card – that process will be complete within 14 days of us receiving your application.

In the meantime, while your balance transfer is being processed you’ll need to continue making any payments due on your old card (if you don’t you may be liable for overdue payment or interest fees from your existing card provider).
We’ll send you a letter to let you know when your balance has been transferred.

How will my payments be allocated if I have a balance transfer?

When you make a repayment to your new ANZ card, it will be applied to the transferred balance first. Once your transferred balance has been paid off in full, repayments will be applied to any new purchases or cash advances on your card. (This means that until your transferred balance is paid off in full, you won’t get any interest-free days on new purchases).

Will my other card be closed automatically?

We can’t close your other card for you – you’ll need to contact the provider and ask them to close it. Until it’s closed you’ll continue to be liable for any repayments and fees due. Remember to check that all direct credits or debits have been redirected to your ANZ card account before you close your old one.

How much can I transfer?

You can balance transfer any amount greater than $100, and up to 95% of the approved credit limit on your ANZ credit card. That’s to ensure there’s a buffer to cover any charges such as fees or interest that could be charged subsequently.

What does the balance transfer interest rate apply to?

The special balance transfer interest rate only applies to the balance you’re transferring from a non-ANZ card to your ANZ card. For all other purchases or cash advances on your new card, the standard interest rate for that card applies.

You can transfer your balance from any non-ANZ Visa and MasterCard, American Express, GE CreditLine, Q Card, Farmers Card and most other store cards.


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National Tax Relief – Professional Tax Help for Small Businesses and


We Fix Tax Problems

We understand the stress and uncertainty that one can feel when they get behind on their taxes. If you owe back taxes to the IRS (or State) and are ready to permanently resolve your tax debt – You have come to the right place! Our programs follow rules and procedures set up by the IRS to help people who cannot afford to pay back their debt to reduce or completely eliminate what they owe. If you need professional tax advice or help stopping IRS collection action against you or your business – We can help – Guaranteed!!

We Assist Taxpayers in all 50 States and overseas!

The experienced Tax Attorneys, Accountants and Enrolled Agents at National Tax Relief will help you find the tax solution that will work best for your specific situation. Whether you have just fallen behind on your taxes or have been struggling with the IRS for years, we will help you get back into tax compliance quickly and efficiently.

Call us Toll Free today at: 888-282-4697

Find out how our services and programs can help you. Our Tax Help Services are available Nationwide!

Copyright 1998 – 2013, Watax, LLC – All Rights Reserved


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Get Lower Rates: From Insurance to Loans #auto #insurance #rates,auto #loans,car


Auto Loans Mortgage Loans Debt Consolidation Credit Cards Credit Repair Car Insurance Health Insurance Life Insurance

Lower Your Auto Insurance Rates Mortgage Interest Rates

About Us | Our Services

If you are looking to save money on any number of financial products or services, you’ve come to the right place. Lower Rates specializes in coordinating multiple insurance companies, lending institutions, and other businesses in order to deliver the best possible prices on an array of products. Our goal is to combine and streamline resources for our visitors, thus making it easier for you to find affordable loans, insurance policies, and more.

No matter what you’re looking for, Lower Rates can be of service to you. For instance, you might be searching for a low-interest credit card with an excellent rewards program. Or perhaps you’re in the market for a high-quality but inexpensive auto policy. Regardless of your needs, you can find the most competitive rates on the Internet right here.

Traveling the world is a pleasurable experience for many, but occasionally, trips are ruined by a health emergency. Not only could this ruin your vacation, but doctor bills and medical evacuations could leave you financially devastated. Visitor s health insurance can protect you from the costs of a medical disaster.

From Auto Loan Blog

Buying your car at the right time of year can mean a difference of thousands of dollars in negotiating power. Taking advantage of the regular need for dealerships to unload inventory at specific times each year is key to shopping well.

From Mortgage Blog

Finding the right mortgage loan option can be a tedious and time-consuming task. Look at all of your options prior to committing to one specific loan, then choose the one that works best for you.


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Where to Score the Best Interest Rates on Your Savings #best


Where to Score the Best Interest Rates on Your Savings

You can earn up to 2% and still sleep tight. Willing to take a risk? You could snag 4%.

For savers, the days of earning tantalizing rates on a wad of cash seem like a distant dream. If you need a safe place to park your money now, the prospects aren’t pretty. Money funds are paying almost nothing. The most generous rates on bank deposit accounts barely brush 1%. Even the highest-yielding Internet checking accounts, once heralded as the go-to place for great rates on up to $25,000, are paying 2% to 3%—and that’s only if you meet certain requirements, such as using a debit card several times a month. And agreeing to lock up your money for a few months or years doesn’t help much: A five-year certificate of deposit yields, on average, 1.19%. Rates aren’t moving up anytime soon, either. In response to the still-sluggish economy, the Federal Reserve announced last summer that it would keep short-term rates near zero through mid 2013—and maybe longer.

SEE ALSO: Kiplinger’s Economic Outlook: Interest Rates

Given the challenging environment, some financial planners are getting creative in the hunt for yield. Brent Perry, president of Piedmont Financial Advisors, in Indianapolis, has told clients with plenty of cash and a penchant for travel to look into accounts that offer frequent-flier miles instead of interest. With $50,000 parked in BankDirect’s Mileage Checking Account, for example, you could earn 60,000 American Airlines miles in a year. With that, he estimates, you could buy two round-trip domestic coach tickets worth about $500 minimum—an immediate return of 1%.

We’ve listed the top spots for eking out interest on your savings, depending on your tolerance for risk and how long you can tie up your money. You can also search for higher-yielding accounts at which shows you options from local banks and credit unions as well as from banks that accept deposits nationally.


No risk, low reward

For your emergency fund—at least three to six months’ worth of living expenses—and any other savings that need to be safe and immediately available, look to accounts insured by the Federal Deposit Insurance Corp. such as interest-bearing checking and savings accounts and money market deposit accounts. Each account is insured up to $250,000. (Credit union deposits are insured up to the same limits by the National Credit Union Share Insurance Fund.)

With yields on money market deposit accounts as meager as they are—the average savings account pays less than 0.3%—rate shopping is essential. With a $2,500 deposit, you can earn 1.18% in a money market account at although you’ll trigger a $10 maintenance fee if your balance drops below $2,500. Other banks with good rates include AmTrust Direct ($500 to open an account) and MyBankingDirect ($5,000 to open an account). Both are affiliated with New York Community Bank, and both pay 1.15%, but at AmTrust Direct you need to maintain a $10,000 balance to qualify for that rate. Money market deposit accounts generally provide checks and an ATM card for withdrawing cash or to use for purchases. You can also transfer funds electronically to a linked checking or savings account. You are limited to six transfers per month, not including cash withdrawals at the ATM.

You can open a savings account at Alliant Credit Union with just $5, and it pays 1.15%. (A $10 contribution to Foster Care to Success, a nonprofit organization that serves foster teens, makes you eligible to join the credit union.) Or you can open an FDIC-insured savings account at CNBBankDirect, the online division of Citizens National Bank in Bluffton, Ohio, with just $1 and earn 1.05%. American Express Bank also offers a savings account with no minimum balance that pays 1%. You can link a savings account to a checking account to transfer funds.

If you meet the qualifications—which usually include banking online and using a debit card for purchases—a high-yield checking account is another option. The amount eligible to earn the highest rate is usually limited to $25,000 or less, and some of the best rates are available only to residents of the states where the bank does business. But Union State Bank. in Kansas, for one, is open to anyone and its My Rewards checking account pays 2.5% on deposits up to $25,000. You can find insured high-yield accounts offered by community banks and credit unions at Checking Finder .


The CD option

For money you can tie up for a few months or more—say, a portion of your emergency fund that you wouldn’t need for at least three months, or money earmarked for tuition or retirement income—consider certificates of deposit. CDs come with maturities that typically range from three months to five years, with longer maturities offering higher yields.

You can invest in a long-term CD even if you think you may cash out early or if you want to take advantage of rising rates—just be sure to check the interest penalty. For example, a five-year CD from Ally Bank. which yields 1.89%, charges a penalty of only 60 days’ yield if you withdraw the money early. But a five-year CD from Intervest National Bank, which offers a slightly higher rate of 2.00%, takes back half your interest with its early-withdrawal interest penalty of 30 months.

Constructing a CD ladder—putting chunks of cash in CDs of varying maturities—allows you to benefit from the best current yields and stay flexible enough to snag top rates down the road. When interest rates rise, you reinvest cash from shorter-term CDs to take advantage of higher yields. Your longer-term CDs will continue to earn interest at today’s highest rates. If you’d like to put more than $250,000 (the maximum that the FDIC will insure in a single account) in CDs, the Certificate of Deposit Account Registry Service (CDARS) offers a convenient way to invest your funds. You deal with one participating bank, which sets the rate and parcels out $250,000 chunks to some of the more than 3,000 participating institutions.

U.S. savings bonds are another supersafe investment for money you can tie up for a year. EE bonds pay low rates (0.6%) but I-bonds pay an attractive 3.06%. You can cash in savings bonds after 12 months, but if you redeem them before five years have passed, you forfeit the last three months’ worth of interest. The I-bond’s rate is composed of a fixed rate, currently 0%, that lasts for the life of the bond and a semiannual inflation rate that changes every six months. If you bought a $1,000 I-bond and redeemed it after a year, you’d still earn about 3% interest after the penalty. You must purchase savings bonds in an online Treasury Direct account.


Higher risk, higher reward

You can earn 3% or 4% in WorldCurrency CDs from EverBank. The CDs, which have maturities of three to 12 months, invest in currencies of foreign markets—a six-month CD invested in the South African rand, for example, recently yielded 3.68% (there’s a $10,000 minimum purchase). The CDs are FDIC-insured against bank failure, but you take on currency risk—you could lose principal if the U.S. dollar rises—so consider putting cash in a few different currencies to hedge against price fluctuations. The WorldCurrency Basket CD, with a maturity of three or six months, invests in a mix of three or more currencies. Basket CDs require a $20,000 minimum purchase.

If you’re willing to forgo FDIC insurance completely, explore ultra-short-term bond funds. Some of them suffered heavy losses during the downturn in 2008 and proved to be more risky than expected. And as with other bonds and bond funds, when interest rates go up, prices of short-term debt securities go down. But because of the bonds’ short maturities, substantial losses aren’t in the cards.

Many of these funds yield less than 2%, and much of your gains will be eaten up if expenses are high. TCW Short Term Bond I (symbol TGSMX ), an ultra-short fund with no sales charge and expenses of just 0.44%, recently yielded 2.2%. TCW also offers an intermediate-term bond fund, TCW Core Fixed Income (TGFNX ), that could be a low-risk cash substitute as long as interest rates remain low (see Bond Funds Instead of Bank Accounts? ). The fund yields 2.6%.


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VA Loan Rates: Current VA Mortgage Rates Updated Daily #va #loan


Current VA Loan Rates

Last updated Monday, June 5th, 2017, at 11:15 AM CST

VA 30 Year Fixed: 3.75%*

VA 15 Year Fixed: 3.50%*

These VA Mortgage rates are based on an informal survey of our participating VA lenders for the date published. Please read below for more important information about current VA mortgage rates. To get pre-qualified for a VA Home Loan and lock in your VA interest rate. please call or fill out the simple form to the right and a specialist with a participating VA approved lender will assist you. *APR will vary by lender based on lender s specific closing costs

As a VA Mortgage resource website, we know one of the most commonly searched for items is “what is the VA interest rate.” So why is it so hard to get a straight answer about current VA interest rates. We’re here to give you some answers, and to give you some current VA mortgage rates from actual VA lenders (above).

VA Mortgage Rates

VA interest rates are not set by the Department of Veterans Affairs (the VA) but by each VA approved lender individually. There are numerous factors that impact what your specific VA Home Loan interest rate will be, so it’s almost impossible to get an accurate rate from a website advertisement or online quote. Also, VA Mortgage rates are like most interest rates and they fluctuate with the financial markets. So until you are locked in the interest rates can change with the financial markets on short notice, sometimes the same day.

Finally, you need to be aware of what rate they are actually quoting you. Are you receiving a rate for VA ARM (adjustable rate mortgage) or a 30 year fixed rate? Are you getting a quote for a VA loan at all, or are they quoting you a higher cost loan program that appears to have a lower rate. It’s to your benefit to work with a VA Specialist at a participating VA lender. Someone who knows the VA guidelines and can quote you a real rate based on your individual profile and make sure you are getting the best deal in utilizing your VA benefits.

To speak with a VA Specialist, please call or fill out the simple form to the right and a VA Specialist with a participating VA lender will assist you.

Get VA Loan Help

Have a Specialist Contact You


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Markets data – stock market, bond, equity, commodity prices #stock #market,


Markets Data

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All content on is for your general information and use only and is not intended to address your particular requirements. In particular, the content does not constitute any form of advice, recommendation, representation, endorsement or arrangement by FT and is not intended to be relied upon by users in making (or refraining from making) any specific investment or other decisions.

Any information that you receive via is at best delayed intraday data and not “real time”. Share price information may be rounded up/down and therefore not entirely accurate. FT is not responsible for any use of content by you outside its scope as stated in the FT Terms & Conditions .

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