Betterment Review: Is it a Good Investment Option?
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On August 29, 2018, J.P. Morgan Chase, a financial behemoth with over $2.6 trillion in assets, brought a new product â You Invest – to its customers. The product offers an impressive collection of trading options, tools, and resources for investors to consider. You Invest is a new entrant in the online brokerage industry, offering […]
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Checking accounts are notorious for just sitting there and doing nothing for you except holding onto your cash until you need to pay a bill. But there are accounts out there that do pay interest – albeit minuscule – and offer other benefits and enticements! We’ve done the research for you.
Several things to look for in a checking account:
Gains Evaporate After Weaker Auction; Sideways Volatility Expected Ahead of CPI CPI, NFP, CPI, Fed Day, NFP, CPI… Maybe throw in some ISM data or the European Central Bank here and there and you’d have a perfectly condensed script for the story of mortgage rate movement over the past few months (ok, maybe for the past year). This week has been an epilogue to last week’s NFP (jobs report) with some Fed Day addendums and follow-up courtesy of Powell and several other Fed speakers. Treasury auctions added a bit of volatility with yesterday’s 10yr auction helping and today’s 30yr bond auction undoing all of those gains and then some. Yields continue failing to break back into the sub 3.62% trading range and we expect more of this frustrating sideways volatility ahead of the next big flashpoint: Tuesday’s CPI data. It’s hard to imagine anything too consequential happening before then when it comes to things that can be scheduled or predicted. Econ Data / Events Jobless Claims 196k vs 190k f’cast, 183k prev Market Movement Recap 10:36 AM Very flat in Asia followed by modest gains in Europe. Now backtracking on some of the gains. MBS down 3 ticks (0.09) on the day. Treasuries still slightly stronger, but up to 3.609 from previous lows of 3.575. 12:21 PM near the day’s weakest levels with about half an hour to go before the Treasury auction. MBS down an eighth of a point on the day. 10yr yields down 1bp at 3.605. 01:25 PM Noticeably weaker after the 30yr bond auction. 10yr yields up 3bps at 3.647. MBS down 6 ticks (.19).
âWhere can you always find money? In the dictionary.â Plenty of lenders and finding the money to buy other companies while smaller ones are looking for the right buyer. Eat or be eaten seems to be the name of the game as lenders hungry for production are courting other lenders. Some just get out of the game entirely. (See lender and investor section below.) Cutting costs and being efficient continue to be of paramount importance regardless of plans for the future. Is the credit process cost effective and efficient? Yesterday I mentioned changes in the credit world and received, âRob, when will companies learn that there are âtoo many snouts in the credit troughâ? Thereâs Fair Isaac, the Bureaus, and the credit resellers. It is not a level playing field, and now, like the old days of having different gfees for different lenders, lenders are slotted into âtiersâ. In the next few years, weâll be moving from a tri-merge environment to a bi-merge environment. Regardless of what comes our way, the overall construct of this portion of our business is shaky.â Editorâs note: âShakyâ is not good in this environment. (Todayâs podcast can be found here and this weekâs is sponsored by SimpleNexus, an nCino company and homeownership platform unites the people, systems, and stages of the mortgage process into one seamless, end-to-end solution that spans engagement, origination, closing, and business intelligence. I go on todayâs podcast to talk with Robbie about the industry ramping up mortgage travels and how mortgage market cycles have historically played out.)
Some perks are worth the additional price.
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Strong Auction Helps, But Not Enough to Get Rates Back Into The Recent Range Without much economic data this week, the focus has been on Fed speakers and the Treasury auction cycle (in addition to other bond market supply via corporate bonds). There was a boatload of Fed speakers on tap today although the first one (NY Fed Pres Williams) was probably the headliner. Bonds seemed to pay at least some negative attention to his blunt reminders on the long road ahead for tight Fed policy. Still he didn’t define the trading day. Nothing really deserves that distinction, but if forced to pick, the strong 10yr auction caused the biggest reaction. Friendly though it was, it wasn’t enough for yields to move convincingly back into the 3.42-3.62 range. Econ Data / Events No significant econ data Market Movement Recap 09:00 AM Slightly stronger overnight and very flat. 10yr down 2bps at 3.658 and MBS up 3 ticks (.09). 10:18 AM moving into negative territory on Fed comments. More details in the alert HERE. MBS down 2 ticks (0.06) on the day but only about an eighth from the highs. 10yr yields are up .7bps at 3.687 01:07 PM Bonds were already finding their footing, but are making additional gains after an exceptionally strong 10yr auction. 10s down 4.5bps at 3.634 and MBS up an eighth (and rising). 03:50 PM After giving up some of the post-auction gains, yields are once again near their best levels of the day with 10s down 4.7bps at 3.632. MBS are underperforming, up only an eighth of a point.
This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.
Homestead Funding Corp. has a simple goal; provide customers with the best mortgage for their individual needs and deliver it with outstanding customer service. Seems straightforward, but not all banks and mortgage lenders are able to do that, as evidenced by the general pessimism surrounding mortgages. This upstate New York-based lender seems to be coming… Read More »Homestead Funding Review: A New York State Mortgage Lender That May Have Funded Your Grandparents Loan
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