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Prep work can head off closing-fee surprises
You've emptied the cookie jar and searched the couch for loose change. You've finally managed to scrape together a down payment for your first home. Only now you find you have to come up with thousands of dollars more to pay a long list of confusing fees called "closing costs."
Some buyers, looking back on their first home purchases, say they suspect their mortgage broker gave them a low estimate of closing costs to draw them into their office, only to "switch" to the higher dollar figures once it was too late or too hard to back out.
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Despite Rising Gas Prices and Federal Rate Increases, Small Business Owner Optimism Remains Strong
Despite 17 consecutive interest rate increases by the Fed and surging gas prices at the pump, small business owners remain optimistic about the future. A new Wells Fargo/Gallup Small Business Index released today shows small business owners remain just as optimistic today as they were a year ago about both their current financial situation and future financial prospects. The Index stands at 107 -- essentially the same level for the past four consecutive quarters and far above its baseline score of 69 in August 2003. In the latest survey, 72 percent of small business owners surveyed said their company's financial situation is very good or good, and 80 percent expect to be better off financially a year from now.
"Small business optimism remained near cyclical highs in the second quarter," said Scott Anderson, senior economist at Wells Fargo.
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