Should You Refinance as Mortgage Rates Fall?

+ Protect Your Retirement From Coronavirus Fears If you are having trouble viewing this email, click here.

TOGETHER WITH I've spent my whole career as a personal finance journalist--nearly 12 years--in a low-interest-rate environment. Who woulda thunk? Certainly not my bosses, who ordered up story after story over the years on how to prepare for rising interest rates. Experts started predicting around 2009 that bond prices would fall, interest rates would climb and mortgages and other debt would become more expensive. And while rates did eventually rise, the increases didn't stick. Today, fears of coronavirus are rattling the markets and driving the yield on the benchmark 10-year Treasury note to record lows. Among the winners are homeowners, as mortgage rates continue to fall. If you're considering refinancing your mortgage to take advantage, learn what you need to know.   Best wishes, Elizabeth   P.S. If you got this newsletter from a friend, sign up sign up here for email delivery to make sure you don't miss the next issue. To listen on podcast platforms or smart speakers, click here. TIMELY RETIREMENT NEWS, INSIGHTS, AND ADVICE Mortgage Rates Have Hit Historic Lows. Here's How to Know if You Should Refinance   It depends on how much you can lower your interest rate. Three Steps to Protect Your Retirement From Coronavirus Market Swings   Use a bucket approach. Hundreds of Colleges Automatically Bill Students for Books. Is that Fair?   Critics say it limits student choice. TAKE CONTROL OF YOUR DEBT SPONSORED BY This is the thing that no one likes to talk about, but so many people struggle with - overdue debt.  If you have more than $7,500 in overdue credit card, medical, or private student loan debt, Freedom Debt Relief can help you. This is NOT another loan. They negotiate on your behalf and help to reduce what you owe, consolidating it into one low monthly payment. And the process couldn't be simpler. Here's how it works: (1) Talk to one of their Certified Debt Consultants (2) Find out how much you can save (3) Let them negotiate on your behalf.   Freedom is THE leader in this space. They've helped settle over $10B in consumer debt and helped over 700,000 people! Take control of your debt once and for all.   Get started today RETIRE WITH MONEY COMMUNITY INSIGHTS Stay tuned for Suze Orman's answers to your questions, coming next week!   RETIREMENT NEWS FROM AROUND THE WEB Actor Steven Seagal Fined by SEC for Touting Token Offering The SEC has warned that pitches by famous people could be illegal if their compensation isn't disclosed. BLOOMBERG VIA YAHOO NEWS Who Sells When the Market Falls Everyday mom-and-pop investors get a bad rap for panic selling, when in fact they may be a stabilizing force in the market. THE IRRELEVANT INVESTOR Afraid to Retire? Here's What to Do on Day One Clean out your closets. Really. NEXT AVENUE Estate Planning for Unmarried Couples Who Live Together  Your assets won't automatically flow to your partner when you die. CNBC ABOUT ELIZABETH Elizabeth O'Brien is deputy editor at MONEY. She has covered retirement and health care for nearly a decade. A Brooklyn resident and mom of two boys, she navigates the alphabet soup of Medicare and the New York City subway system with equal ease. You can email her at elizabeth.obrien@money.com and follow her on Twitter at @elizobrien.

This newsletter is free because MONEY earns a commission when you click or make purchases from the links in this email and on our site. We also receive compensation for some of the products and services featured in this message. Offers may be subject to change without notice. Learn more about how we make money. Privacy Policy • Advertise With Us • We're Hiring! You can update your email preferences or unsubscribe by clicking here. Copyright ©2020 Ad Practitioners, LLC. All rights reserved. Metro Office Park Calle 1, Building 7 Suite 204, Guaynabo PR 00968, USA