Author: Evan Vanderwey
Website: http://www.lansingmimortgage.com/flashback-from-markets-past…

In 2003 rates hit all-time lows for that era. 30-year fixed rates touched down at around 5.5% at their lowest and 15-year fixes leveled out at almost at 5% even.

Today, rates are better than that by one full percentage point.

The reason I’m reminded of this is because I’m finally seeing a lot of my customers again, folks for whom I wrote loans in 2003 – it took today’s low rates to make the savings worth the cost of refinancing. Going from a 30-year in 2003 to a 15-year today, as many are, is as much as a 1.5% savings. This obviously depends on the appraised value.

I’m not just taking a stroll down memory lane here for the fun of it – today I’m remembering something that I think is an important recollection.

I was recalling how fast the rates went from 5.5% in June of 2003 to almost 7% by mid August – just 40 days or so later. In fact, the rates went from 5.5% to 6% in two days and then slowly climbed from there over the next 5 or 6 weeks.

There are a couple of…

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How your estate is taxed when you die is a moving target. And you need to know just how it's taxed to plan how to handle it. This article summarizes where we are right now on estate taxation.

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Learn how you can take your wedding ring thats just put up and sell it for the maximum dollar value since gold is at its all time high.

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Selecting the correct day and time to trade can play a major role in your forex success. Although forex market seems to be available 24/6, not all the days of the week will bring profits. A trader not only has to choose the right day to trade, but also know the best hours. When not to trade? What is the absolute best time for forex? When can you get most earnings?

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Early menopause (before age 46) has been seen to more than double the risk of heart problems compared to women who experience menopause later in life. Because preventable heart disease remains the top killer of woman in the U.S., it's critical for women to use the preventive tests that health insurance in Texas offers to reduce their risk.

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Speeding fines are a good way to tackle excessive speeds on the roads, but the amount you need to pay can vary widely from country to country.

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Croydon is a major city on the map of the UK. It has many important business houses like Nestle, Fairfield, big town centre as well as big government offices like UKBA, B.T. etc which are giving employment to thousands of people and thus making it people favourite place to live.

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When informal agreements are used properly in a wealth strategy, they are amazing! They are quick and easy, and they can yield results that exceed our expectations.

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“I'd love to be in a loving relationship,” she told me in one of our counseling sessions, “but I'm not willing to give up my freedom. I have a great life. I love my work and my friends.

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Foreign exchange trading does not move in the same direction all of the time. In truth, we will definitely get to experience choppy markets or some known as whipsaws markets for quite a number of times. Choppy market is where the price of the currencies moves substantially up or down and may possibly seem identical to the beginning of a brand new trend in early stages. But instead of continuing the trend, the price of currencies may suddenly dive back down to your entry price and possi…

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