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Why Fixed-Rate Mortgages May Not be the Best Option

If you’re buying a home anytime soon, here’s some contrarian advice: Don’t take out a fixed-rate mortgage. If you do, you’re likely to pay more than you need to.

Instead, it often makes more sense to choose a floating-rate note, also known as an adjustable-rate mortgage. Even on a small mortgage, over time you’ll save thousands of dollars. If you use the extra cash to pay down the loan, you’ll save even more.

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‘America’s Most Wanted’ Host John Walsh Talks Internet Safety with Teens and Parents in Del Mar

San Diego teen Steven Liu jumped off the bridge in front of Otay Ranch High School in Chula Vista on Nov. 1. Friends said the 17-year-old was a victim of bullying. Some school officials said they don’t think bullying was the reason he committed suicide.

Bullying and cyberbullying has become a hot topic, and was one of many issues “America’s Most Wanted” host John Walsh discussed during a “Girls World Expo” seminar Nov. 3 at the Del Mar Fairgrounds.

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Help Your Child or Your Parent Buy a Home

Today’s underwriting rules can be fairly stringent on which income can be counted and how it is calculated.  For example, income such as overtime, commission and bonus income must have a 2 year history of receipt and your employer must state that it is likely to continue in order to be included in qualifying for a home loan. 

Your child or family member may feel they can afford the monthly payments but with today’s underwriting rules, they may need your assistance to help them qualify for new home financing.

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