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Strong earthquake topples buildings, kills 7 in Taiwan
Strong earthquake topples buildings in Taiwan Getty Images

The number one auto in America for decades
The number one auto in America for decades

Jessica Alba’s Honest Co. is reportedly close to IPO
Jessica Alba’s Honest Co. is reportedly close to IPO  Getty Images

Why the Carolina Panthers should win the Super Bowl
Why the Carolina Panthers should win the Super Bowl  Getty Images
Real-time win probability for the Super Bowl
Better odds here than Super Bowl Predictor
These Super Bowl bound Carolina Panthers could manage your money
Super Bowl stock predictor has a streak going

Teen gets to keep $20,000 gold bar found in lake
Teen gets to keep $20,000 gold bar found in lake  Getty Images

This top NYC dog walker earns $110,000 a year
This top NYC dog walker earns $110,000 a year  ryanfordogs.com

Crane collapses in New York, killing at least one
Crane collapses in New York, killing at least one person Reuters

Why fundamentals are no longer relevant for gold
Why fundamentals are no longer relevant for gold AFP/Getty Images

Can 40-year-old long-lost daughter get my estate?
Can I force my late mother-in-law’s estate to pay my mortgage? Terrence Horan/MarketWatch
Must mother-in-law’s estate pay my mortgage?

The Hillary Clinton master class in selfie taking


10 best employee perks: Which do you have?
 Google
Will your job benefits get better this year?

Art imitates life: Displaying crushing student debt
When art imitates life: Student debt crisis on display at New York exhibit Jovanna Venegas

‘Hateful Eight’ star destroys $40,000 guitar — and it was a loaner
Hateful Eight star destroys $40,000 guitar -- and it was a loaner Everett Collection

Super Bowl host cities always lose money game
Super Bowl host cities always lose the money game Getty Images

Taste the whiskey that Peyton Manning won’t try
Taste the whiskey that Peyton Manning won’t try Battle Cry American Single Malt Whiskey
10 Super Bowl beers that aren’t Bud Light

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How much does legal marijuana cost? Getty Images
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CDC advice on drinking in pregnancy ‘crazy’
Where are you most likely to get Zika virus?
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How to know if your tax preparer is a crook
How to know if your tax preparer is a crook


China’s forex reserves poised for another record drop
China’s forex reserves poised for record drop
Will China soon burn through its reserves?

Four reasons the January jobs report is fishy
Why the Fed is likely to stay put in March

Chicken-little investors, please read the jobs report
Chicken-little investors, please read jobs report
Economists say ‘wow’ to jobless rate
Manufacturing jobs hit 7-year high
Job growth slows, jobless rate hits 8-year low

Oil-tax proposal steps on Obama jobs message
Obama: Oil tax won't disrupt economy
Obama: GOP 'doom, despair tour' not helpful

Barron's: Here comes $20 oil
Here comes oil for just $20 a barrel


Morgan Stanley gives up on higher oil prices

LinkedIn loses a Twitter in market cap

LinkedIn’s stock suffers biggest-ever selloff
LinkedIn earnings confuse investors into panic
5 reasons you hate LinkedIn so much

Trump takes New Hampshire snow day

The best biotech plays once sector stabilizes

Tesla earnings: Model 3 spending, Model X sales in focus
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How recent college grads are faring in 3 charts

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Recession in the U.S.? That’s not happening, CEOs say

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Brett Arends: Is the ‘Trump bubble’ bursting in New Hampshire?
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Watch the Democratic debate in 2 minutes

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Why 1 in 5 millennials are taking on personal loans

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Advancers
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/quotes/zigman/12633936/realtime 4,363 -146 3.25%
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/quotes/zigman/3870025/realtime 1,880 -35 1.85%
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/quotes/zigman/629063/realtime 2,139 -24 1.12%
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/quotes/zigman/33772884/delayed 1,174 +17 1.43%
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/quotes/zigman/2260836/delayed 31.00 -0.72 2.27%
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/quotes/zigman/3173262/delayed 5,848 -51 0.86%
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/quotes/zigman/2380246/delayed 9,286 -107 1.14%
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/quotes/zigman/3173214/delayed 4,201 -28 0.66%
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/quotes/zigman/2759620/delayed 8,500 +31 0.37%
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/quotes/zigman/2380150/delayed 326 -3 0.87%
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/quotes/zigman/6959860/realtime 2,510 +7 0.29%
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/quotes/zigman/5986735/delayed 16,820 -225 1.32%
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/quotes/zigman/2622475/delayed 19,288 +105 0.55%
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/quotes/zigman/1859015/delayed 2,763 -18 0.63%
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/quotes/zigman/1652085/delayed 24,617 +279 1.14%
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/quotes/zigman/1709939/delayed 2,623 +65 2.53%
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/quotes/zigman/16008136/realtime/sampled 1.12 -0.01 0.47%
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/quotes/zigman/16008150/realtime/sampled 116.87 +0.09 0.08%
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/quotes/zigman/16008140/realtime/sampled 1.45 -0.01 0.60%
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/quotes/zigman/16008115/realtime/sampled 0.71 -0.01 1.83%
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/quotes/zigman/1652083/delayed 96.96 +0.41 0.42%
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/quotes/zigman/41508961/realtime 89.81 +0.50 0.56%
U.S. 10yr
/quotes/zigman/15866666/realtime 1.83 0.00 0.00%
German 10y
/quotes/zigman/15866409/realtime 0.30 -0.01 2.16%
Italy 10yr
/quotes/zigman/15866497/realtime 1.56 +0.05 3.14%
Spain 10yr
/quotes/zigman/15866444/realtime 1.65 +0.03 1.72%
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/quotes/zigman/15866328/realtime 1.56 0.00 0.00%
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Crude Oil
/quotes/zigman/2260836/delayed 31 -1 2.27%
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/quotes/zigman/33772884/delayed 1,174 +17 1.43%
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/quotes/zigman/25518691/delayed 366 -3 0.81%
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/quotes/zigman/43106711/delayed 1,874 -34 1.78%
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/quotes/zigman/32655632/delayed 15 +0 1.21%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 104.07 -6.42 -5.81%
AAPL /quotes/zigman/68270/composite 94.02 -2.58 -2.67%
GOOG /quotes/zigman/59527964/composite 683.57 -24.44 -3.45%
BAC /quotes/zigman/190927/composite 12.95 -0.30 -2.26%
C /quotes/zigman/5065548/composite 39.86 -0.93 -2.28%
F /quotes/zigman/264304/composite 11.45 -0.08 -0.69%
T /quotes/zigman/398198/composite 36.88 0.35 0.96%
BP /quotes/zigman/247026/composite 30.46 -0.15 -0.49%
GE /quotes/zigman/227468/composite 28.54 -0.64 -2.19%
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5 yr CD
1.3%
2 yr CD
0.7%
1 yr CD
0.5%
MMA $10K+
0.2%
MMA $50K+
0.4%

National averages from Bankrate.com

You Don’t Need Another Credit Card, You Need A Better One.
Avg. APR Last Week 6 Months
Low Interest 11.96% 11.88% 11.62%
Business 13.12% 13.11% 12.85%
Student 13.42% 13.42% 13.14%
Balance Transfer 14.35% 14.30% 14.12%
Airline 15.17% 15.16% 15.10%
Cash Back 15.26% 15.23% 15.27%
Reward 15.28% 15.25% 15.14%
Instant Approval 18.21% 18.18% 18.00%
Bad Credit 22.88% 22.88% 22.73%
Source:CreditCards.com

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The High Cost of Low Credit Scores

Car Loans


Borrowers with shaky credit can qualify for a car loan, but they’ll pay a steep price. Roughly 44% of car loans originated during the first quarter of 2012 were given to subprime consumers, meaning those with scores lower than 680 (based on the so-called PLUS range of 330 to 830), according to the latest report by Experian. That’s up nearly 6% from a year prior.

Interest rates on car loans vary significantly based on the borrower’s score. The best borrowers who have at least a 740 score pay 3.2% interest on average on new car loans and borrowers with 680 to 739 scores pay 4.5%, according to Experian. Borrowers with lower scores could pay anywhere from 6.5% and 12.9% on average.

The difference adds up: On a $10,000 five-year (the average term) new car loan at a 3.2% rate, monthly payments will be about $181 – with some $860 in interest paid over the life of the loan. At 12.9%, payments are around $227 per month, or $3,620 in interest over five years – an extra $2,760 compared to the borrower with pristine credit.

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    • By WebOsPublisher

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    • Credit scoreS play a very important role in our financial life, good credit score can make this life great, while bad one may bring us lots of inconveniences. That’s why it’s better to start to take care of credit history as only financial life starts. I know some people with a bad credit score and they wrongly assume that once their credit score is damaged then then they can’t do a thing to fix it. It’s very important to be responsible about making payments on loans, because credit score shows the lenders of cash advance how reliable you are. To my mind, it’s never too late to work on a credit score and take advantage of low interest rates and other benefits which are affordable for people with high credit score only.

    • So many Americans do not live within their means. In order to keep up with Joneses, many people bought houses they couldn’t afford so when the recession hit, they lost their homes to foreclosures and had to file bankruptcy. Post-bankruptcy, these people may start thriving if they live within their means.

      http://www.thebankruptcyshop.com

    • as Christine responded I am stunned that a person able to get paid $4570 in 4 weeks on the computer. have you seen this web link makecash16com

    • If you don’t have the cash to buy a car, you can’t afford it.

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139.01MDow Volume:
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Unchanged
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Decliners
4917
Advancers
1419
Price Chg %Chg 1 Day
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Dow
/quotes/zigman/627449/realtime 16,205 -212 1.29%
Nasdaq
/quotes/zigman/12633936/realtime 4,363 -146 3.25%
S&P 500
/quotes/zigman/3870025/realtime 1,880 -35 1.85%
GlobalDow
/quotes/zigman/629063/realtime 2,139 -24 1.12%
Gold
/quotes/zigman/33772884/delayed 1,174 +17 1.43%
Oil
/quotes/zigman/2260836/delayed 31.00 -0.72 2.27%
FTSE 100
/quotes/zigman/3173262/delayed 5,848 -51 0.86%
DAX
/quotes/zigman/2380246/delayed 9,286 -107 1.14%
CAC 40
/quotes/zigman/3173214/delayed 4,201 -28 0.66%
FTSE MIB
/quotes/zigman/1482176/delayed 17,250 -376 2.13%
IBEX 35
/quotes/zigman/2759620/delayed 8,500 +31 0.37%
Stoxx 600
/quotes/zigman/2380150/delayed 326 -3 0.87%
Asia Dow
/quotes/zigman/6959860/realtime 2,510 +7 0.29%
Nikkei 225
/quotes/zigman/5986735/delayed 16,820 -225 1.32%
Hang Seng
/quotes/zigman/2622475/delayed 19,288 +105 0.55%
Shanghai
/quotes/zigman/1859015/delayed 2,763 -18 0.63%
Sensex
/quotes/zigman/1652085/delayed 24,617 +279 1.14%
Singapore
/quotes/zigman/1709939/delayed 2,623 +65 2.53%
Euro
/quotes/zigman/16008136/realtime/sampled 1.12 -0.01 0.47%
Yen
/quotes/zigman/16008150/realtime/sampled 116.87 +0.09 0.08%
Pound
/quotes/zigman/16008140/realtime/sampled 1.45 -0.01 0.60%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.71 -0.01 1.83%
DXY Index
/quotes/zigman/1652083/delayed 96.96 +0.41 0.42%
WSJ $ Idx
/quotes/zigman/41508961/realtime 89.81 +0.50 0.56%
U.S. 10yr
/quotes/zigman/15866666/realtime 1.83 0.00 0.00%
German 10y
/quotes/zigman/15866409/realtime 0.30 -0.01 2.16%
Italy 10yr
/quotes/zigman/15866497/realtime 1.56 +0.05 3.14%
Spain 10yr
/quotes/zigman/15866444/realtime 1.65 +0.03 1.72%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.56 0.00 0.00%
Japan 10yr
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Crude Oil
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Gold
/quotes/zigman/33772884/delayed 1,174 +17 1.43%
Corn
/quotes/zigman/25518691/delayed 366 -3 0.81%
DJIA F
/quotes/zigman/48241424/delayed 16,118 -210 1.29%
S&P F
/quotes/zigman/43106711/delayed 1,874 -34 1.78%
Silver
/quotes/zigman/32655632/delayed 15 +0 1.21%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 104.07 -6.42 -5.81%
AAPL /quotes/zigman/68270/composite 94.02 -2.58 -2.67%
GOOG /quotes/zigman/59527964/composite 683.57 -24.44 -3.45%
BAC /quotes/zigman/190927/composite 12.95 -0.30 -2.26%
C /quotes/zigman/5065548/composite 39.86 -0.93 -2.28%
F /quotes/zigman/264304/composite 11.45 -0.08 -0.69%
T /quotes/zigman/398198/composite 36.88 0.35 0.96%
BP /quotes/zigman/247026/composite 30.46 -0.15 -0.49%
GE /quotes/zigman/227468/composite 28.54 -0.64 -2.19%
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5 yr CD
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0.7%
1 yr CD
0.5%
MMA $10K+
0.2%
MMA $50K+
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National averages from Bankrate.com

You Don’t Need Another Credit Card, You Need A Better One.
Avg. APR Last Week 6 Months
Low Interest 11.96% 11.88% 11.62%
Business 13.12% 13.11% 12.85%
Student 13.42% 13.42% 13.14%
Balance Transfer 14.35% 14.30% 14.12%
Airline 15.17% 15.16% 15.10%
Cash Back 15.26% 15.23% 15.27%
Reward 15.28% 15.25% 15.14%
Instant Approval 18.21% 18.18% 18.00%
Bad Credit 22.88% 22.88% 22.73%
Source:CreditCards.com

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