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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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Mortgage loan delinquencies were down from the third quarter of 2018 in the fourth quarter. The Mortgage Bankers Association (MBA) said the improvements held across all loan types and all stages of delinquency although there was a slight uptick in foreclosure starts. The delinquency rate for mortgage loans on one-to-four-unit residential properties decreased to a seasonally adjusted rate of 4.06 percent of all loans outstanding, down 41 basis points (bps) from the third quarter and 111 bps from the fourth quarter of 2017 according to MBA's National Delinquency Survey. The percentage of loans on which foreclosure actions were started in the fourth quarter rose by 2 bps to 0.25 percent but MBA said that was probably due to the expiration of foreclosure moratoria in states affected by natural [...]
Fri, Feb 15, 2019 8:43:00 PM, Continue reading at the source
While we have not yet seen figures from the Census Bureau for December let alone January, the Mortgage Bankers Association (MBA) is reporting a surge in new home sales last month. Information from MBA's Builder Application Survey (BAS) indicates that those sales, while unchanged from January 2018, increased by 43 percent compared to December 2018. The change does not include any adjustment for typical seasonal patterns. On a seasonally adjusted basis, MBA estimates sales were at an annual rate of 713,000 units. This is an increase of 29.2 percent from the December estimate of 552,000 units. Before adjustment MBA estimates that there were 54,000 new home sales in January 2019, up 45.9 percent from 37,000 new home sales in December. Joel Kan, MBA's Associate Vice President of Economic and Industry [...]
Thu, Feb 14, 2019 10:25:00 PM, Continue reading at the source
Mortgage rates hadn't changed much over the past few business days, even though they arguably should have moved a bit higher yesterday. That made today's adjustment slightly more abrupt. Why was there an adjustment? Mortgage rates are based primarily on the trading levels in the bond market. In turn, the bond market takes cues from a multitude of factors big and small. Among the biggest considerations for bonds are the various regularly scheduled economic reports. Among those reports, inflation data is traditionally very important to bonds. And finally, among inflation data, today's Consumer Price Index is probably the most widely followed. Inflation didn't jump in any major way, but the important "core" reading (which factors out food and energy) was slightly higher than expected on an annual [...]
Wed, Feb 13, 2019 11:20:00 PM, Continue reading at the source
Mortgage rates were roughly unchanged yet again today, although the average lender was charging microscopically higher fees compared to yesterday. The key ingredient in today's market movement (which ultimately translates to mortgage rate movement) was the promise of a deal to avert another government shutdown at the end of the week. Late in the day yesterday, congressional leaders on both sides of the aisle signaled a potential deal was in the works. The fact that Trump didn't immediately dismiss the deal was taken as evidence of its viability. This resulted in bond markets losing ground today, which normally coincides with higher rates. It was also the inspiration for a good amount of today's improvement in stocks. The reason for that movement is fairly logical . The shutdown (or the threat [...]
Tue, Feb 12, 2019 10:19:00 PM, Continue reading at the source
Mortgage rates held their ground fairly well today, despite the fact that underlying bond markets were weaker. Bond market weakness is associated with higher interest rates, all other things being equal. To understand this, consider that a bond is essentially a loan. An investor who buys a bond is buying the right to collect interest payments on a loan. That investor is effectively "the lender." Ideally, those investors would compete with one another for the right to collect interest on loans. If bonds are "weaker," it means those investors don't see as much value in buying those loans. The price they pay to obtain the loan goes down (aka "weakness"). In turn, the loan's rate of return needs to be bumped up in order to attract investors. And "bumping up the rate of return on a loan" is tantamount [...]
Mon, Feb 11, 2019 10:14:00 PM, Continue reading at the source

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