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Finance, Economy & Government Issues Archive


Consumer Credit Default Rates Decrease in September 2015

Consumer credit default rates decreased in September 2015, with the composite rate ranking at 0.89 percent, down seven basis points from the previous month, according to data released by S&P Dow Jones Indices and Experian. The bank card default rate was 2.77 percent for September, up six basis points from ...


Millennials Less Likely Than Baby Boomers to Understand the Impact of Major Life Events on Credit

Millennials are less likely than baby boomers to identify milestone life events that could affect their credit, according to a new survey released by TransUnion. In fact, less than half of millennials surveyed could cite specific major life events that could negatively or ...


Economic Growth Expected to Weather Headwinds

Economic growth for the third quarter of the year likely came in weaker than expected, largely because of a worsening net exports picture, but fourth-quarter growth is expected to withstand ongoing headwinds, according to Fannie Mae’s Economic & Strategic Research (ESR) Group. Slowing ...


Bill Proposing TRID Hold-Harmless Period Passes House

As the real estate industry proceeds with implementation of the now-effective TILA-RESPA Integrated Disclosure rule (TRID), a bill designed to assist smaller lending, title and escrow companies with compliance passed the House of Representatives on Wednesday, October 7. The bill, titled the ...


Housing Holdbacks: Student Debt, Mortgage Market Confusion, and a Declining Marriage Rate

Despite a growing economy, a new survey has found that the financial pressures of student debt, persistent confusion about the mortgage process and a continuing nationwide marriage rate decline are important factors combining to slow the housing market. ...


3 Takeaways from September’s Dismal Jobs Report

(TNS)—September hiring fell well short of consensus expectations and previous economic growth was less robust than thought, new Labor Department statistics say in a dismal monthly report that painted a picture of an economy in downshift mode. ...


Mortgage Applications Dip 6.7 Percent

Mortgage applications decreased 6.7 percent from one week earlier, according to data from the Mortgage Bankers Association's (MBA) Weekly Mortgage Applications Survey for the week ending September 25, 2015. ...


Report: More than a Quarter of U.S. Homes Lost Value in the Last Year

Nationally, homes appreciated 3.3 percent from a year ago, rising to a Zillow Home Value Indexof $180,800. The national growth rate has leveled off over the past five months, suggesting the housing recovery ...


Fed Offers Buyers a Short-Term Reprieve, but Mortgage Rates May Rise before December

Home buyers were granted a bit more time to lock in today’s incredibly low mortgage rates before the era of low interest rates ends with the Fed’s decision to postpone raising its short-term target rate.  However the move by the Fed just substantially ...


U.S. Housing Starts Fall 3 Percent in August

Housing starts in August fell 3 percent to an annual rate of 1.13 million units (SAAR), according to a recent Census Bureau report. ...


Economic Outlook and Forecast: Jobs, Inventory, Mortgage Rates and Inflation

Economic growth mildly contracted in the first quarter of 2015, but will pick up in the second quarter and second half of the year. For the year as a whole, GDP will expand at 2.1 percent: not a bad number, but not great. ...


No Matter the Market, Home Warranties Play an Integral Role

While the real estate landscape has changed in many ways over the years, Stuart Thomas, broker/owner of RE/MAX Select One in Huntington Beach, Calif., hasn’t wavered for the past 13 years when it comes to offering each and every client that comes through the door the option to purchase a ...


Money Planning in 9 Steps

(TNS)—Everybody wants a solid financial plan, yet more than 40 percent of Americans don’t have one. Unless you develop a formal strategy, such as a written plan, you might well find any financial goal elusive. So, here are nine ...


Consumer Confidence Makes a Comeback in August

The Conference Board Consumer Confidence Index®, which had declined in July, rebounded in August. The Index now stands at 101.5 (1985=100), up from 91.0 in July. The Present Situation Index increased from 104.0 last month to 115.1 in August, while the Expectations Index improved to 92.5 from 82.3 in July. ...


6 Financial To-Do’s before Going on a Trip

(TNS)--While people disagree on many topics, there’s one thing most people can agree on: Vacations are great. ...


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