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Most of us have times in our lives when financial challenges threaten to overwhelm us. Whether it’s an unexpected car repair, or whether it’s a job loss, financial setbacks happen in most of our lives. At these times, it’s tempting to give up and sink into despair — especially if the setback is a large one. However, you can overcome your financial challenges. It takes hard work and determination, but it is possible. Here are 4 steps to take as you work to overcome your financial challenges: 1....

by Angela Wilcox on October 28, 2014

The interest rate pendulum has swung in favor of homeowners again. A steady decline in recent weeks brought down the average rate for a 30-year fixed home loan below 4 percent to 3.92 percent this week, the lowest level in more than a year. As recently as January, the average was 4.53 percent, according to mortgage giant Freddie Mac. That’s good news for homeowners who are locked in at a higher interest rate and weren’t able to refinance before rates began ticking up last year. The decline...

by Angela Wilcox on October 28, 2014