I have a 152 Toyota Auris Luna diesel with 60,000kms, as recommended by your column in the first place actually, so thanks. I commute 200km a day, all M1/M50. Traffic on the M50 has me changing through gears every 30 seconds, so I'd love an automatic. I spend about €300/m on diesel, so fuel efficiency is a massive consideration. I'm afraid I'm doing so much mileage now that my Auris will lose value quickly. Any thoughts on if I should change? Budget would be €5k plus trade-in. Gillian: The mileage on your car is just below average, so if you don't want to change just yet, you have another good six months at your current driving before you'd start feeling a pinch on value. I understand the desire for an automatic, so with your budget being around €18k, I have a few suggestions. I will stick with hatchback body-styles, but it might be tricky to find one that's newer than 152 because I'm presuming you will want to come up a year for your additional €5k. A VW Golf … [Read more...] about Switch to diesel? Best seven-seater? Buy for new year? €20,000 to spend?
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Adam Shell USA TODAY Published 5:58 AM EDT Oct 9, 2018 Is it time to rate-proof your investment portfolio? With a recent spike in borrowing costs causing swings in the market and angst on Wall Street, now might be a good time for investors to consider rejiggering their portfolios and shifting towards investments that fare better when interest rates are rising. A market-moving shift appears to be underway. The long period of historically low rates in place since the 2008 financial crisis -- which enabled homebuyers to get cheap mortgages, car shoppers to obtain 0-percent loans and corporations to grow their businesses and profits with the help of cheap money -- is reversing as investors and the Federal Reserve, reacting to an improving U.S. economy, push borrowing costs back toward more normal levels. The Fed has hiked short-term rates three times this year, raising its key rate -- which it slashed to zero in 2008 -- to a range of 2 … [Read more...] about Rising interest rates; How to invest in stocks
Paul Ausick 24/7 Wall Street Published 8:04 AM EDT Sep 24, 2018 The average credit score for homebuyers seeking a 30-year fixed-rate mortgage is 755. That rate applies to what are known as conventional, conforming loans. Those are mortgage loans for 80 percent of the value of the property for an amount of up to $453,100 nationally, but that could be higher in high-cost areas. So how can you buy a home with a credit score of less than around 650? The answer is it depends on where you want to buy, how much you want to borrow, and how likely is it that you'll make your payments after considering all your other debts. There are then three major factors that determine whether or not you can get a mortgage: your credit score, the loan-to-value (LTV) ratio, and the debt-to-income (DTI) ratio. The two federally regulated agencies that buy mortgage loans from lenders, Fannie Mae and Freddie Mac, have eased both their LTV and DTI limits, making it easier to qualify on those two factors. … [Read more...] about Poor credit score but need a mortgage? Best, worst cities to move
LOOKING for love can be an expensive business. We spend up to £1,280 a year on dates, according to research by dating site match.com. But searching for The One doesn’t have to leave you short of cash. Here, Sun Savers shares some ways to cut the cost of loving. Activities. Dates can be costly with even ten pin bowling setting you back up to £8 per person. Instead, choose FREE activities, such as walks in the park and visits to free museums for a cultured approach. Or settle in at home with a pal’s Netflix account and scoff budget snacks while watching a show. No date secured? Sign up to a six-month match.com subscription via topcashback.com and you will get £47.25 cashback. Food. You don’t have to be frugal when it comes to a meal out, but you can be savvy. Nab a Tastecard 30-day FREE trial membership online, which offers many 50 per cent off and 2-for-1 dining deals. Meerkat Meals has recently launched too, offering 2-for-1 meals when you buy a … [Read more...] about We’ve rounded-up the best tips to slash the costs of looking for The One — plus win a year’s food shop
To report corrections & clarifications, contact: Please indicate whether you're responding to content online or in the newspaper. The following corrections & clarifications have been published on stories produced by USA TODAY's newsroom: April 2018 News: A previous version of this story misstated Elliot Rodger's weapons. He used both a knife and a gun. https://www.usatoday.com/story/news/2017/03/31/masculinity-traditional-toxic-trump-mens-rights/99830694/ Video: A previous version of this video misstated the number of Americans living with unhealthful levels of pollution. https://www.usatoday.com/media/cinematic/video/33952141/8-of-americas-10-most-ozone-polluted-cities-are-in-this-state/ Opinion: Because of an editing error, a headline in an earlier version of this column incorrectly described Amy Wax's job status. https://www.usatoday.com/story/opinion/2018/04/20/black-students-law-school-amy-wax-column/510510002/ … [Read more...] about Corrections & Clarifications