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Does Travel Insurance Add Up In Winter?

by Joe Cortez

I don’t care how you decorate it – mostly because this is the last line I want to be standing in when I get to the airport. Lucky for me, travel insurance may help me out when I’ve got a trip delay of more than 12 hours, or am forced to cancel a trip because I got frostbite. Don’t laugh – it MAY have happened to me once.The pure, white snow falls gently upon the frozen pond. With the descent of Persephone, Winter has taken grasp on the world. The pain is not just felt by Demeter, and those who work with the harvest. As the holidays onset, so too is the sting felt by travelers near and far.
Wait – travelers near and far in the world of Olympus, feeling the sting of winter travel? Yes, you read that all correctly. At the end of the year (and into the next), weather has a huge effect on how – and when – we travel back and forth across the world. Rain and wind on the west coast, and snowstorms in the east can put a huge damper on getting where we want to go – especially when they lead to trip delay and trip cancellation. read more @ Travel Insurance Services

 
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Despite their fourth quarter loss reported last month, independent mortgage banks and bank mortgage subsidiaries still managed, albeit barely, to stay in the black last year. The Mortgage Bankers Association (MBA) said that banks responding to its survey made an average profit of $367 on each loan they originated last year, down from $711 per loan in 2017. They lost an average of $200 per loan in the last quarter of the year, only the third quarterly loss since MBA began collecting the data in 2008. "Despite a healthy economy in 2018, the mortgage market suffered, as rate hikes hurt refinancing volume and low housing inventories priced some potential homebuyers out of the purchase market," said Marina Walsh, MBA's Vice President of Industry Analysis. "For mortgage companies, there was the perfect [...]
Thu, Apr 18, 2019 6:38:00 PM, Continue reading at the source
Mortgage rates continued higher for the 5th day in a row today. This brings the average lender to the highest levels in exactly one month. At issue: a series of stronger economic reports at home and abroad have eased concerns about global growth. Not only is a strong economy associated with higher rates in general, but those "concerns" were a big part of the Federal Reserve's decision to be more bond-friendly back in March. With concerns arguably lessened by recent data, investors may be assuming the Fed won't be quite as bond friendly going forward. All that having been said, the Fed is NOT likely to make any big changes after one solid month of global economic data. The most immediate cause for pressure toward higher rates came overnight in the form of Chinese economic data. Along with Europe [...]
Wed, Apr 17, 2019 9:07:00 PM, Continue reading at the source
Mortgage rates rose again today, albeit at a slightly slower clip compared to yesterday. Still, that's little consolidation considering this is the 4th straight day spent moving in that unfriendly direction. The average lender is now back to levels not seen since March 19th. On the bright side, March 19th's rates were the lowest in more than a year at the time. So what's going on? In general, the month of March saw the confluence of 2 great things for rates. Not only was there a generally high level of concern/uncertainty surrounding the global economic outlook, but the Fed was also surprisingly helpful. This was a bit of a double-edged sword because the Fed's helpfulness was predicated on that same sort of concern/uncertainty. In other words, if events unfold in such a way as to ease that [...]
Tue, Apr 16, 2019 9:14:00 PM, Continue reading at the source
Homeowners are and should be proud of their homes, but that often leads them to think it has a higher value than does an appraiser and the difference between the two opinions increased significantly in March. Quicken Loans says the gap in its Home Price Perception Index grew by 25 percent compared to February. Part of the difference might be accounted for by a decline in home prices of 0.20 percent during the month although prices rose 3.37 percent over the previous 12 months. Nationwide, appraised values came in 0.78 percent lower than homeowners expected compared to 0.50 percent in February. Quicken Loans Executive Vice President for Capital Markets Bill Banfield said that there's more than one reason behind this sudden increase in the gap between estimates and values. "This month's fluctuation [...]
Mon, Apr 15, 2019 10:18:00 PM, Continue reading at the source
Mortgage rates rose fairly quickly on Friday, depending on the lender and the scenario. Bonds (which dictate mortgage rates and interest rates in general) weakened overnight on a variety of foreign and domestic data. While we can't necessarily be sure that one particular development was more responsible for the move than another, we can observe that most of the damage followed news of surprisingly strong credit growth in China. This could stand to reason given that China and Europe are central to the cautionary economic stance taken by the likes of the Fed. In general, uncertainty about the global economy would be associated with lower interest rates. Actually a downbeat economy is even better than an uncertain one! With Chinese GDP and several European metrics hitting long term lows in the [...]
Sat, Apr 13, 2019 1:12:00 AM, Continue reading at the source

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