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I don’t know about you, but money is the last thing I want to think about when I’m doing my holiday shopping. This year I can’t tell myself “It’s ok, I’ll deal with my finances after the New Year.”…
The Federal Reserve is holding it’s follow up meeting on December 15th & 16th to decide if they want to raise the short-term interest rates.
If you’re like me you might be thinking “Oh I don’t own a home this doesn’t affect me.” However, (dramatic pause for effect) we are COMPLETELY wrong.
If the Fed decides to raise the interest rates, it becomes more expensive for banks to borrow money which in turn gets passed onto the us…
Not only does this raise affect home mortgages, but it will also affect your credit cards or any other commercial product’s interest rates.
Most people tend to rack up pretty high credit card bills during the holiday season to buy their loved ones gifts, I am no different. With this rate raise coming though, I started to panic & wondered what I could do to prepare my finances for this hit.
The obvious would be to pay off all or most of my credit card debt & put away the cards. For me that means no more Starbucks binges… EEK!
If you can’t manage to pay off all of that debt you can look into getting another card that has a lower APR & a zero-percent transfer policy. What that means is that any card balance you have that has a high interest rate you can transfer to a card with a lower rate to pay it off easier without having to pay all that pesky interest.
Another easy step could be allowing our team here at Global to take a look at your mortgage and see where we can save you some extra money by refinancing. If you’re on an adjustable-rate mortgage now is the time to lock in a long term fixed rate while rates are still at record lows. Even if you are on a fixed rate mortgage & you’re happy with your rate, we can get some cash out of your home to pay off that debt or to shower your loved ones (or yourself) with gifts this season.
If you’re like me and you don’t own a home yet, now could be the right time to take that step. Home prices are only expected to keep rising right along with the interest rates of the loan needed to buy that home you’ve had your eye on.
Here in Sunny San Diego we have the sunshine tax & unfortunately it gets added onto everything, especially rent… Why throw away your hard earned money on renting a temporary place when you can put that same payment towards building a home & future for yourself?
If you hold stocks or bonds, it’s time to reevaluate those assets. Once the rates start climbing the value of those bonds will take a steady decline in value & if you’re not planning onto holding onto these for the long haul, it’s time to cash in.
Let us help you figure out your options & how we can save you your hard earned money.