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Futures: /quotes/zigman/43106711/delayed S&P 500 -0.9% /quotes/zigman/48241424/delayed DOW -0.8% /quotes/zigman/43108768/delayed NASDAQ -0.8%

need to know
Coca-Cola revenue beats, but profit falls short
Wendy's profit, revenue beats expectations
Sears warns on sales, to speed up closures
European stocks seesaw as banks slump
Head-on train crash kills at least 9 in Germany
Greek protests escalate over refugee camps
Film flops hurt 21st Century Fox outlook
Cracking down on college financial-aid cheats


IEA warns oil surplus will be worse than expected
IEA warns oil surplus will be worse than expected
Oil rises, shrugging off IEA report

Oil industry woes grow as storage levels hit ‘critical level’
Oil woes grow as storage hits ‘critical’ level

99 Cent Gas May Be on Its Way
99-cent gas may be on its way  (24/7 Wall St.)


Is the gold rally the real deal or ‘fool’s gold’?
Teen can keep $20,000 gold bar found in lake
Gold one of Wall Street’s best bets early in 2016

Nikkei skids 5% as 10-year bond yield moves negative
Japan minister warns against yen’s ‘rough’ rise

5 questions that Janet Yellen must answer

Yellen may say goal is not to slow the economy
Fed: Too white, too male, too many bankers?
Expansion won’t die of old age: S.F. Fed study

Why retirement is a myth
Why retirement is a myth



Convertible bonds are alluring as stocks slip
Convertible bonds are alluring as stocks fall


Record number of Americans give up citizenship

Google CEO Sundar Pichai gets $199 million in stock

Europe’s battles: Migrants, Brexit and ECB
German output, exports drop in December
Roubini: Welcome to the New Abnormal


Resist the urge to buy this stock pullback: J.P. Morgan

Yelp’s billion-dollar path hits a detour
Yelp posts earnings early, CFO to step down


Tesla downward revision is among the biggest
Tesla earnings: Model 3, Model X in focus

Why a selloff in European bank stocks is ominous
Bank stocks have taken enough: analyst
Deutsche Bank shares fall again in bank rout

Computer virus wants to remind you to have a nice day
Justice Department data exposed in breach

23 stocks they’re throwing out with the bathwater

Chipotle wants to give you a burrito — how to get it
What did Chipotle workers do today?
Chipotle closes up shop for a few hours Monday
VOTE: If not Chipotle, where would you eat?

Chesapeake denies bankruptcy plan as shares dive
What are the 8 strongest S&P energy stocks?

20 dividend stocks that Wall Street loves the most
The 20 dividend stocks that Wall Street loves most
Dividend stocks that will give you a raise

Rubio in freefall in New Hampshire betting
Republican primary: 3 things to watch
Bloomberg considering presidential run
Voter turnout in each U.S. state (24/7 Wall St.)

How Clinton can rebound after New Hampshire
Blunders may reveal Clinton, Rubio flaws
All those terrible things Hillary Clinton has done

This has been the No. 1 car in America for decades
Cars sink through ice at winter festival
How far can you go on $50 in gas?


In the U.S., socialism is no longer such a dirty word
Bill Clinton: Sanders is ‘enemy of all things big’

/conga/frontpage.html 367423

Markets »

165.88MDow Volume:
Avg Vol: 129.39M
Unchanged
121
Decliners
4802
Advancers
1600
Price Chg %Chg 1 Day
Range: 1 Day
  • 1 Day
  • 5 Days
  • 1 Month
  • 3 Months
  • 6 Months
  • 1 Year
  • 2 Years
Dow
/quotes/zigman/627449/realtime 16,027 -178 1.10%
Nasdaq
/quotes/zigman/12633936/realtime 4,284 -79 1.82%
S&P 500
/quotes/zigman/3870025/realtime 1,853 -27 1.42%
GlobalDow
/quotes/zigman/629063/realtime 2,081 -23 1.09%
Gold
/quotes/zigman/33772884/delayed 1,197 -1 0.11%
Oil
/quotes/zigman/2260836/delayed 29.64 -0.05 0.17%
FTSE 100
/quotes/zigman/3173262/delayed 5,615 -75 1.31%
DAX
/quotes/zigman/2380246/delayed 8,814 -165 1.84%
CAC 40
/quotes/zigman/3173214/delayed 3,960 -106 2.62%
FTSE MIB
/quotes/zigman/1482176/delayed 15,922 -519 3.15%
IBEX 35
/quotes/zigman/2759620/delayed 7,891 -231 2.84%
Stoxx 600
/quotes/zigman/2380150/delayed 308 -7 2.09%
Asia Dow
/quotes/zigman/6959860/realtime 2,464 -51 2.01%
Nikkei 225
/quotes/zigman/5986735/delayed 16,085 -919 5.40%
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 24,021 -266 1.10%
Singapore
/quotes/zigman/1709939/delayed 2,623 +65 2.53%
Euro
/quotes/zigman/16008136/realtime/sampled 1.12 +0.01 0.46%
Yen
/quotes/zigman/16008150/realtime/sampled 114.78 -1.07 0.92%
Pound
/quotes/zigman/16008140/realtime/sampled 1.44 0.00 0.16%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.70 -0.01 1.45%
DXY Index
/quotes/zigman/1652083/delayed 96.43 -0.25 0.25%
WSJ $ Idx
/quotes/zigman/41508961/realtime 89.57 -0.06 0.07%
U.S. 10yr
/quotes/zigman/15866666/realtime 1.73 -0.02 1.32%
German 10y
/quotes/zigman/15866409/realtime 0.24 +0.02 8.64%
Italy 10yr
/quotes/zigman/15866497/realtime 1.75 +0.05 2.97%
Spain 10yr
/quotes/zigman/15866444/realtime 1.79 +0.04 2.01%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.42 +0.00 0.01%
Japan 10yr
/quotes/zigman/15866525/realtime -0.02 -0.06 163.32%
Crude Oil
/quotes/zigman/2260836/delayed 30 0 0.17%
Gold
/quotes/zigman/33772884/delayed 1,197 -1 0.11%
Corn
/quotes/zigman/25518691/delayed 360 -2 0.55%
DJIA F
/quotes/zigman/48241424/delayed 15,852 -136 0.85%
S&P F
/quotes/zigman/43106711/delayed 1,836 -17 0.89%
Silver
/quotes/zigman/32655632/delayed 15 0 0.20%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 99.75 -4.32 -4.15%
AAPL /quotes/zigman/68270/composite 95.01 0.99 1.05%
GOOG /quotes/zigman/59527964/composite 682.74 -0.83 -0.12%
BAC /quotes/zigman/190927/composite 12.27 -0.68 -5.25%
C /quotes/zigman/5065548/composite 37.81 -2.05 -5.14%
F /quotes/zigman/264304/composite 11.59 0.14 1.22%
T /quotes/zigman/398198/composite 37.11 0.23 0.62%
BP /quotes/zigman/247026/composite 29.92 -0.54 -1.77%
GE /quotes/zigman/227468/composite 28.17 -0.37 -1.30%
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Rates »

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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Car Loans Easier to Score Than Good Deals

Car loans may be getting easier to come by, but that doesn’t mean they are always a good deal.

Banks and lenders may still be reluctant to lend to all but the most creditworthy homebuyers, but they’re increasingly doling out money to consumers buying cars, including borrowers with low credit scores, according to a report today in The Wall Street Journal. These looser standards are likely responsible for the 5.7% increase in total outstanding car loans Experian reports for the second-quarter compared to a year ago.

But with many borrowers facing sky high rates, advisers say the loans are far from affordable. Indeed, while car loan interest rates for borrowers with near-perfect credit remain at around 3% on average, buyers with bad credit pay up to 10 percentage points extra, according to Experian. During the first quarter of this year, borrowers who signed up for a new car loan and had credit scores ranging from 620 to 679 received an average rate of 6.5%, while those with scores from 550 to 619 got a 9.9% average rate, and borrowers with scores below 550 signed up for a 12.9% rate on average. (Scores are based on the PLUS score range of 330 to 830.)

For the many borrowers with bad credit — nearly one-half of auto loans were subprime (that’s borrowers with a score below 680) in the first quarter, according to most recent data from Experian — “it’s hard to see how that’s a good proposition,” says Chris Kukla, senior counsel for government affairs at the Center for Responsible Lending. Buyers, after all, pay thousands of dollars extra in interest over the life of their loan. On an average $25,995 car loan, a borrower in the highest credit bracket with a 3.2% rate will pay $2,323 in interest over 64 months of repaying the loan (the average repayment period) while a borrower with a 12.9% rate will pay roughly $10,100 in interest.

Lenders counter that extending car loans to subprime borrowers is the first step to loosening credit overall standards. “It shows a sign of optimism on the part of banks and lenders,” says Robert Strand, senior economist at the American Bankers Association. Car loans present a smaller risk to banks because they’re a smaller dollar amount and are repaid over a faster period than mortgages, and if borrowers fall behind on payments repossessing a car is easier than a home, says Strand. They also present a profit opportunity given the spread between the low rates banks pay out to consumers on deposit accounts compared to the interest they earn from these loans.

Borrowers with high credit scores have several opportunities to save on car loans. Lender rates remain affordable at around 3% on average, according to Experian. In addition, they can qualify for rates of 0% to 1% at dealerships on many car models. For everyone else, here are four strategies to get a better deal on an auto loan.

Get approved for a loan before arriving at the dealership. Consumers with poor credit who need a new car might want to shop around for loans first and the cars second. Banks and credit unions tend to offer lower rates to these borrowers, says Alec Gutierrez, senior market analyst for automotive insights at Kelley Blue Book. When dealerships give out car loans, they often get them from banks and tack on an extra one to two percentage points that they keep as profit, Gutierrez says.

Wait until the fall. Borrowers who decide to go with a dealership may find it pays to wait. In September and October, most 2013 models will arrive at dealerships, and they’ll roll out incentives to unload the remaining 2012 models, which could include lower rates on car loans. Borrowers with low credit scores could end up with a rate that’s one to two percentage points lower than what they’d get now, Gutierrez says.

Make a larger down payment. Just like a mortgage, larger down payments often result in lower interest on car loans. Borrowers who have extra cash on hand should ask how their rate will change if they put more money down than they originally offered, or if they’re planning on selling their existing car, they can trade it in at the dealership and use its value as part of the down payment on the new car, says Thomas King, a senior director who tracks vehicle sales transactions at J.D. Power and Associates.

Bite the bullet…and then refinance. Whatever rate they get, borrowers should keep in mind that it’s not set in stone. If they’re able to improve their credit score, they can refinance into a lower rate. Most banks and credit unions refinance car loans. And unlike refinancing mortgages, borrowers don’t incur hefty fees when refinancing a car loan.

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MarketWatch - Stock Market Quotes, Business News, Financial News
Bulletin
Investor Alert

New York Markets Open in:

Futures: /quotes/zigman/43106711/delayed S&P 500 -0.9% /quotes/zigman/48241424/delayed DOW -0.9% /quotes/zigman/43108768/delayed NASDAQ -0.8%

need to know
Coca-Cola revenue beats, but profit falls short
Wendy's profit, revenue beats expectations
Sears warns on sales, to speed up closures
European stocks seesaw as banks slump
Head-on train crash kills at least 9 in Germany
Greek protests escalate over refugee camps
Film flops hurt 21st Century Fox outlook
Cracking down on college financial-aid cheats


IEA warns oil surplus will be worse than expected
IEA warns oil surplus will be worse than expected
Oil rises, shrugging off IEA report

Oil industry woes grow as storage levels hit ‘critical level’
Oil woes grow as storage hits ‘critical’ level

99 Cent Gas May Be on Its Way
99-cent gas may be on its way  (24/7 Wall St.)


Is the gold rally the real deal or ‘fool’s gold’?
Teen can keep $20,000 gold bar found in lake
Gold one of Wall Street’s best bets early in 2016

Nikkei skids 5% as 10-year bond yield moves negative
Japan minister warns against yen’s ‘rough’ rise

5 questions that Janet Yellen must answer

Yellen may say goal is not to slow the economy
Fed: Too white, too male, too many bankers?
Expansion won’t die of old age: S.F. Fed study

Why retirement is a myth
Why retirement is a myth



Convertible bonds are alluring as stocks slip
Convertible bonds are alluring as stocks fall


Record number of Americans give up citizenship

Google CEO Sundar Pichai gets $199 million in stock

Europe’s battles: Migrants, Brexit and ECB
German output, exports drop in December
Roubini: Welcome to the New Abnormal


Resist the urge to buy this stock pullback: J.P. Morgan

Yelp’s billion-dollar path hits a detour
Yelp posts earnings early, CFO to step down


Tesla downward revision is among the biggest
Tesla earnings: Model 3, Model X in focus

Why a selloff in European bank stocks is ominous
Bank stocks have taken enough: analyst
Deutsche Bank shares fall again in bank rout

Computer virus wants to remind you to have a nice day
Justice Department data exposed in breach

23 stocks they’re throwing out with the bathwater

Chipotle wants to give you a burrito — how to get it
What did Chipotle workers do today?
Chipotle closes up shop for a few hours Monday
VOTE: If not Chipotle, where would you eat?

Chesapeake denies bankruptcy plan as shares dive
What are the 8 strongest S&P energy stocks?

20 dividend stocks that Wall Street loves the most
The 20 dividend stocks that Wall Street loves most
Dividend stocks that will give you a raise

Rubio in freefall in New Hampshire betting
Republican primary: 3 things to watch
Bloomberg considering presidential run
Voter turnout in each U.S. state (24/7 Wall St.)

How Clinton can rebound after New Hampshire
Blunders may reveal Clinton, Rubio flaws
All those terrible things Hillary Clinton has done

This has been the No. 1 car in America for decades
Cars sink through ice at winter festival
How far can you go on $50 in gas?


In the U.S., socialism is no longer such a dirty word
Bill Clinton: Sanders is ‘enemy of all things big’

/conga/frontpage.html 367423

Markets »

165.88MDow Volume:
Avg Vol: 129.39M
Unchanged
121
Decliners
4802
Advancers
1600
Price Chg %Chg 1 Day
Range: 1 Day
  • 1 Day
  • 5 Days
  • 1 Month
  • 3 Months
  • 6 Months
  • 1 Year
  • 2 Years
Dow
/quotes/zigman/627449/realtime 16,027 -178 1.10%
Nasdaq
/quotes/zigman/12633936/realtime 4,284 -79 1.82%
S&P 500
/quotes/zigman/3870025/realtime 1,853 -27 1.42%
GlobalDow
/quotes/zigman/629063/realtime 2,080 -23 1.09%
Gold
/quotes/zigman/33772884/delayed 1,197 -1 0.12%
Oil
/quotes/zigman/2260836/delayed 29.65 -0.04 0.13%
FTSE 100
/quotes/zigman/3173262/delayed 5,616 -73 1.28%
DAX
/quotes/zigman/2380246/delayed 8,816 -163 1.82%
CAC 40
/quotes/zigman/3173214/delayed 3,960 -106 2.62%
FTSE MIB
/quotes/zigman/1482176/delayed 15,930 -511 3.11%
IBEX 35
/quotes/zigman/2759620/delayed 7,891 -232 2.85%
Stoxx 600
/quotes/zigman/2380150/delayed 308 -7 2.09%
Asia Dow
/quotes/zigman/6959860/realtime 2,465 -50 2.01%
Nikkei 225
/quotes/zigman/5986735/delayed 16,085 -919 5.40%
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 24,021 -266 1.10%
Singapore
/quotes/zigman/1709939/delayed 2,623 +65 2.53%
Euro
/quotes/zigman/16008136/realtime/sampled 1.12 +0.00 0.45%
Yen
/quotes/zigman/16008150/realtime/sampled 114.77 -1.08 0.93%
Pound
/quotes/zigman/16008140/realtime/sampled 1.44 0.00 0.16%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.70 -0.01 1.44%
DXY Index
/quotes/zigman/1652083/delayed 96.43 -0.24 0.25%
WSJ $ Idx
/quotes/zigman/41508961/realtime 89.57 -0.06 0.07%
U.S. 10yr
/quotes/zigman/15866666/realtime 1.73 -0.02 1.22%
German 10y
/quotes/zigman/15866409/realtime 0.24 +0.02 8.64%
Italy 10yr
/quotes/zigman/15866497/realtime 1.75 +0.05 2.97%
Spain 10yr
/quotes/zigman/15866444/realtime 1.79 +0.04 2.01%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.42 +0.00 0.01%
Japan 10yr
/quotes/zigman/15866525/realtime -0.02 -0.06 163.32%
Crude Oil
/quotes/zigman/2260836/delayed 30 0 0.13%
Gold
/quotes/zigman/33772884/delayed 1,197 -1 0.12%
Corn
/quotes/zigman/25518691/delayed 360 -2 0.62%
DJIA F
/quotes/zigman/48241424/delayed 15,857 -131 0.82%
S&P F
/quotes/zigman/43106711/delayed 1,836 -16 0.86%
Silver
/quotes/zigman/32655632/delayed 15 0 0.20%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 99.75 -4.32 -4.15%
AAPL /quotes/zigman/68270/composite 95.01 0.99 1.05%
GOOG /quotes/zigman/59527964/composite 682.74 -0.83 -0.12%
BAC /quotes/zigman/190927/composite 12.27 -0.68 -5.25%
C /quotes/zigman/5065548/composite 37.81 -2.05 -5.14%
F /quotes/zigman/264304/composite 11.59 0.14 1.22%
T /quotes/zigman/398198/composite 37.11 0.23 0.62%
BP /quotes/zigman/247026/composite 29.92 -0.54 -1.77%
GE /quotes/zigman/227468/composite 28.17 -0.37 -1.30%
Visit the quote page and your most recently viewed stocks will automatically be displayed here.
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Rates »

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

SPONSORED SECTIONS

Trending Tickers
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