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What To Consider When It Comes To Your Dental PPO

October 15, 2012 by · Leave a Comment 

Your Dental PPO is just as important as other health plans because your oral hygiene should be one of the top priorities for you. What kind of things should you be looking for and what should you be considering when you’re looking for different plans to cover your dental care? There’s a lot of things that people don’t consider and a lot of different things that people sometimes overlook that are so simple.

First, you have to have a plan that’ll allow you to have your own doctor and a plan that will give you the freedom to go where ever you want. Some workplaces and some plans only allow you to use certain doctors and that’s no good.

Your plan should be affordable in concurrence with your budget but should also offer you some of the top premium care for what you’re paying. Don’t let the companies push you around and try to overcharge you for lackluster service or for service that doesn’t currently fit or meet your needs.

One thing when it comes to dental indemnity insurance is that you’re going to get what you pay for with a few exceptions. Choosing a dental health plan in a way is a lot like choosing a date for the High School dance, because they’ll all look good on paper but a lot of them have some inner deep flaws on the inside.

QE3 (Quantitative Easing three) to help with mortgages

October 3, 2012 by · Leave a Comment 

The Federal Reserve introduced the long awaited QE3 in September 2012.  Under the program, Feds will purchase $40 billion of mortgaged-backed securities a month with an aim to boost employment and housing.  It is anticipated that the program will continue until the end of third quarter of 2013.

The most immediate benefit of QE3 is the easing of the mortgage interest rate.  Immediately after the introduction of QE3, 30-year fixed mortgage rate which was at approximately 3.55 percent has gone down to around 3.39 percent according to Freddie Mac.  Some expect that the rate may even fall below 3 percent fueling further refinancing.  Meanwhile, the unemployment rate has dipped below 8 percent for the first time in nearly in four years.

The Feds program is buying approximately three-fifths of mortgage backed securities and the maturity stays at 30-years.  This is creating a demand for Freddie Mac and Fannie Mae agency mortgage bonds from income seeking bond holders.  Banks including the nation’s two biggest mortgage lenders, JPMorgan Chase and Wells Fargo, are also benefitting from the situation and posted earnings growth in third-quarter.  The Wells Fargo mortgage originations climbed from $131 billion in the previous quarter to $139 billion in the current quarter.