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[ad_1] The put options against 800,100 shares of Tesla, placed by Michael Burry, were seen as of March 31. [ad_2] Source link

[ad_1] Need a new vacuum? This is a great price on this highly rated Shark Navigator Lift-Away Upright Vacuum! Walmart has this Shark Navigator Lift-Away Upright Vacuum for just $99 shipped right now! This is regularly $199 and has tons of amazing reviews. Thanks, Passionate Penny Pincher! [ad_2] Source link

[ad_1] Cyclone kills 19 in India, heavy rains lash parts of Gujarat state [ad_2] Source link

[ad_1] Employees Provident Fund account: Left or lost a job? Employees can now update their date of exit on the EPFO portal upon leaving a job. [ad_2] Source link

[ad_1] If you need a new quilt set, be sure to check out this sale! Zulily has Fab 4-Piece Quilt Sets for just $27.99 today! These would be great for the guest bedroom or as a spare. Shipping starts at $5.99. But if you place one order today, the rest of your orders will ship for FREE through 11:59 p.m. PT tonight! [ad_2] Source link

[ad_1] Russian spy chief denies SolarWinds attack – BBC [ad_2] Source link

[ad_1] Share Market News Today | Sensex, Nifty, Share Prices LIVE: Bulls continued to dominate Dalal Street on Tuesday. All sectoral indices on NSE were up in the green, Bank Nifty jumped 1.4%. [ad_2] Source link

[ad_1] One of the great questions facing the housing markets in 2021 is what will happen when the mortgage forbearance programs under the CARES Act expire. When this act was originally passed on March 27, 2020, there were notable concerns that these measures would merely postpone an inevitable correction in the housing market once the programs expired. Since that time however, a powerful fiscal and monetary response brought mortgage rates to a record low and boosted household savings. In addition, an increase in the prospects for ongoing work-from-home arrangements combined with a growing preference for less dense living arrangements has led to a massive boost in the number of families looking to move. The result has been an extraordinary acceleration in home price growth. According to the Federal Housing Finance Agency purchase only house price index, it took almost six years during the bubble period from 1998 to 2004 for home price growth to accelerate from 5% to 10% on a year-over-year basis. In 2020 the same result took just five months, an extraordinary market impulse. With prospects increasing for a new first-time homebuyer tax credit and student loan debt forgiveness in a decades-tight housing market, concerns have shifted away from a wave of foreclosures weighing on markets to an overshoot in prices and a subsequent hard landing. How this will all play out depends to a large degree on developments in the mortgage market. Of course, the regular dynamics of the market are in play: Fed policy, changes in inflation expectations, etc. But the wonderful thing about the securitized mortgage market is the great variety of types of securities available to investors that allow them to allocate their capital based on nuanced views about future market developments. There are hundreds of thousands of pools to choose from, including those specified pools, custom pools from single-issuers, those containing loans made in single states, low balance loans or modified loans, along with a myriad of others. The rest of this content is for HW+ members. Join today with an HW+ Membership! Already a member? log in HW+ includes weekly long-form digital content, HousingWire Magazine, access to HousingStack, and free admission to all HousingWire virtual events. The post The end of forbearance and the capital markets appeared first on HousingWire. [ad_2] Source link

[ad_1] The post How to Refinance a Car appeared first on Millennial Money. A lot can happen after you purchase a new car. Your income may change, your credit score may shoot up after making monthly payments, or you may find you want to adjust your monthly budgeting.  Whatever the reason, at some point, you may consider refinancing your current auto loan to get better terms. But is auto loan refinancing a good idea? Let’s take a closer look. Refinancing an auto loan: A step-by-step guide Have a good reason to refinance your original loan Review your car loan for prepayment penalties Look at your credit score Compare different offers Assess the costs of refinancing 1. Have a good reason to refinance your original loan Stop and think about why you want to refinance your car loan. Don’t just go in because someone told you it’s a good idea or because you read about it online. Take the time to understand your unique financial situation and understand whether it makes sense based on your needs.  Here are some of the top reasons why you may want to refinance your auto loan.  You want a lower interest rate  The best reason to refinance is to secure a better interest rate. Maybe you didn’t quite get the interest rate you hoped for when you bought your car, and you want to try again. It could be worth having a conversation with your current lender. Simply put, a lower interest rate is going to save you a ton of money throughout the length of the loan. Your credit history has changed  Take a look at your credit score and see if it’s changed. Maybe when you got your car, you had a score that was good or average, and now your score is considered excellent by one of the major credit bureaus. If that’s the case, you may be able to save thousands over the length of your loan if you qualify for a lower interest rate.   You have less income  Another reason you may want to refinance is that you have less income than when you bought your car. Maybe you lost your job, got laid off, or had to take a pay cut. If so, you may not be able to afford your current car loan payments, and so it could be advantageous to explore new options. Just keep in mind that your lender is going to take your new financial situation into account when you apply for a new loan. If you don’t have the same cash flow, you may not get the best refinancing rate. So proceed carefully before starting the refinancing process and consider finding more work first to increase your cash flow. Check your other options If this is your situation, consider picking up a second job, cutting spending in a different area, or selling your car and getting something cheaper that you don’t owe payments on. Of course, these options are not available to everyone. But if one of these strategies works for you, the outcome is better than taking on more debt by refinancing. As I’ve said in the past, interest-bearing debt (including car payments and credit card balances) is the most common barrier to achieving financial freedom. Learn more: What Is A Car Loan & How Do They Work? Auto Loan Rates for 2021 2. Review your car loan for prepayment penalties  It’s also a good idea to take a close look at your contract before moving forward. A car loan often contains hidden prepayment penalties. So you may get hit with unexpected fees when trying to terminate your agreement.  Make sure you thoroughly understand every detail in the fine print so you don’t stumble into any unexpected surprises.  After all, this is a legally binding contract you’re modifying, so you should do your due diligence.  Make no mistake about it: Lenders can be notoriously difficult to work with, especially when ending agreements. If you owe a lender money, you’ll most likely have to either pay it outright or roll what you owe into a new agreement. 3. Look at your credit score Make sure your credit score is in a good place when you refinance. It’s possible your score may have decreased since you bought your vehicle if you didn’t make payments on time. If your score isn’t where you need it to be, consider doubling down on your efforts to improve it before discussing refinancing with a different lender. If you can tough out your current loan for a few months and actively work to improve your credit score, you could significantly increase your chances of getting a better refinancing option. 4. Compare different offers Once you decide to proceed with refinancing, don’t limit yourself to the lender you originally used.  Of course, there’s nothing wrong with approaching your car dealer and giving them the opportunity to make you a great offer. Just keep in mind you’ll be dealing with the financial institution that manages the dealer’s loans and not the dealer itself. So their finance department’s hands may be tied in terms of giving you a better financing option, even if you have a trusting relationship.  Once you get an offer from a lender, go to another dealership in your area and compare the loan rates. What they come back with will determine how competitive your refinancing options are.  Just keep in mind that each time you apply for a new auto loan, a lender will make a hard pull on your credit score, which stays on your credit report for up to two years. Hard credit pulls can knock a few points off your score. So if you have shaky credit to begin with, this could hurt you. 5. Assess the costs of refinancing  Before you go ahead and refinance a loan, make sure you have the cash on hand to pay for additional costs. You may have to pay to register the car again, or your insurance may

[ad_1] I went shopping on Monday morning — something I haven’t done a lot recently (I’ve gotten into a rhythm of often shopping on Saturday evening). I remembered why I used to be such a fan of shopping on weekday mornings… because there were so many great produce markdowns!! I did a happy dance when I saw all these bananas and peppers marked down! And look at all that meat marked down! What I Bought at Kroger Kellogg’s cereal — $1.79 each, used $1/2 coupon = $1.29 each Oreo cookies — $0.99 each Animal crackers — $0.99 Kellogg’d crackers — $0.99 each Stayfree pads — $1.99 each, used $2/2 coupon = $0.99 each Bic Soleil razors — $2.69, used $4/1 coupon = free after coupon (they took off the amount of the item + tax) Ground turkey — marked down to $2.89 2 Ground beef — marked down to $2.99 each Ground beef — marked down to $3.79 Pork ribs — marked down to $7.24 Deodorant — $0.99 Peanuts — on closeout for $0.84 Briana dressing — marked down to $0.99 Gerber baby food — marked down to $0.29 3 packages Red Star Yeast — marked down to $0.25 each Butter — $2.50 2 dozen Kroger brown eggs — marked down to $0.99 each 3 cartons cage free eggs — marked down to $0.99 each Peanut butter — $1.50 3 Yoplait yogurts — marked down too $0.29 each Grape Juice — $2.79 3 Yoplait yogurt packs — $1.99 each Lettuce — $1.79 Bananas — $2.88 4 bags marked down produce — $0.99 each Blueberries — $2.99 Total with tax: Freezer Cooking in an Hour: Frozen Banana Bites, Pancake Mix, Pizza Dough, Crockpot Barbecue Chicken What We Ate This Week Many of you have been asking for me to share more about what we eat each week. So here’s a little peek into some of our meals this week… Monday night we used bread I had in the freezer (that I had gotten marked down and had frozen) + the cartons of Cage-Free eggs I got marked down to make… French Toast! We served it with fruit on the side. Lunches every day (for me) were salads with toast and butter. Tuesday night, we had a double header baseball game for Silas, so we had a quick and simple meal of meatballs (using the marked down ground beef and turkey I had gotten recently and frozen) and raw peppers (since I got a lot marked down!) I ate Energy Bites for breakfast some of the mornings. We also did scrambled eggs and blueberries and the kids had cereal or oatmeal most of the morning. Wednesday night we had Barbecue Chicken (barbecue sauce over frozen chicken breasts in the crockpot), Rice, Raw Peppers, and Sourdough Bread. Thursday night, the three older kids had leftovers and Jesse and I took the babies to a Foster Care Appreciation Dinner at Church of the City (they had free childcare!) Friday night, we had baseball again, so I did a salad with toast for dinner. Jesse grabbed some fast food for the rest of the family. Saturday we had Frozen Pizzas and veggies. Sunday we had fend for yourself — which was leftovers and cereal! Was it helpful to have this rundown of what we ate? Let me know — and, if so, I’ll try to do it more often! [ad_2] Source link