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Topic: Fixed interest

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	Debt consolidation - Wikipedia, the free encyclopedia
		This is often done to secure a lower interest rate, secure a fixed interest rate or for the convenience of servicing only one loan.
		Interest rates for the consolidation are based on that year's student loan rate, which is in turn based on the 91-day Treasury bill rate at the last auction in May of each calendar year.
		Upon consolidation, a fixed interest rate is set based on the then-current interest rate.
	en.wikipedia.org /wiki/Debt_consolidation (782 words)

	Realty Times: Fixed-Rate Interest Levels Rise Suddenly
		According to HSH Associates, a financial publisher that tracks mortgage rates nationwide, fixed rate loans were priced at 7.9 percent last November, more than a full percent higher than current rates, which HSH measured at 6.80 percent for a 30-year fixed-rate mortgage on Friday.
		Example: Suppose that the current interest rate for a 30-year fixed-rate conventional mortgage is 7 percent and the interest rate for a 15-year loan is 6.80 percent.
		Interest rates are calculated at a given percentage of the loan amount per year, say 7 percent annually.
	realtytimes.com /rtnews/printrtpages/20011119_rates.htm (1067 words)

	Fixed Interest
		Dimensional's variable maturity fixed interest strategies are focused on yield curve management, the core of Dimensional's expertise in fixed interest.
		The objective is to provide a fixed interest investment that dampens portfolio volatility, we maximise the country diversification through the equal weighting of country allocations (subject to some country limits).
		Interest rate risk is managed by using a variable maturity approach combined with maximum maturity constraints.
	www.dimensional.com.au /strategies/fixed (826 words)

	Standard Bank > Home Loans > Interest rates > SecuraRate > Fixed rates > Overview
		This is an interest rate option whereby you are guaranteed a fixed interest rate for a specified period.
		The home loan interest rate is fixed (remains the same) for a specified period, regardless of whether home loan rates rise or fall.
		The interest rate is fixed at an agreed rate for a period of 12, 18 or 24 months.
	www.standardbank.co.za /SBIC/Frontdoor_02_02/0,2454,176061_1957198_0,00.html (392 words)

	30 Year Fixed Rate Mortgage Fixed Interest Mortgage Rate \| Phoenix Arizona Mortgage Lender Arizona Mortgage Lending
		Because the interest rate remains the same for the entire term of the loan, the monthly principal and interest payment also stay the same.
		Fixed rate mortgages are most often offered at 15 and 30 year terms, however are also offered at 10 and 20 year terms.
		If you are concerned with your interest rate and wish to build equity faster, you may want to consider a 10 or 15 year fixed mortgage.
	www.thelendingco.com /loans/fixedratemortgage.htm (245 words)

	Fixed Interest Deferred Annuities
		A fixed interest deferred annuity is a product that is designed to help you accumulate funds for your retirement.
		The money in your annuity earns a fixed rate of interest and your money accumulates on a tax-deferred basis, meaning you do not pay taxes on your earnings until you actually withdraw them from your policy.* You can choose to lock in your initial interest rate for different periods.
		After the initial interest rate guarantee period, your policy receives a new interest rate each year on your policy anniversary.
	www.newyorklife.com /cda/0,3254,14784,00.html (130 words)

	Interest Rate Swaps
		Some of them are pure interest rate transactions but some of them are currency transaction or a mix of interest rate and currency.
		Interest rate swaps are defined as the agreements between two parties to exchange interest payments on an agreed national amount for a particular maturity.
		Interest rate swaps are basically used as a long-term instrument for periods more than one year.
	www.angelfire.com /ca/finrisk/Intswap.html (407 words)

	ARM vs Fixed Rate Mortgage Calculator
		Fixed for 84 months, adjusts annually for the remaining term of the loan.
		Fixed for 60 months, adjusts annually for the remaining term of the loan.
		Fixed for 36 months, adjusts annually for the remaining term of the loan.
	www.themoneystore.com /java/MortgageArmvsFixed.html (777 words)

	APR Annual Percentage Rate Fixed Adjustable Interest Rate Information
		In comparing any type of loan, whether it be a fixed rate loan to a fixed rate loan, adjustable rate loan to adjustable rate loan or fixed rate loan to adjustable rate loan, there is one way that can be used to compare apples to apples and even apples to oranges.
		By solving for the new interest rate for a $146,925 loan with the same payment of $1,153.37, the APR is calculated as 8.73%.
		By solving for the new interest rate for a $143,925 loan with the payment of $1,100.65 the APR is calculated as 8.44%.
	www.mortgage101.com /partner-scripts/1019.asp?p=mtg101 (500 words)

	Fixed Rate Mortgage
		This loan is fully amortized over a 10-year period and has the benefit of constant monthly payments and a fixed interest rate.
		The total interest paid over the life of the loan is substantially lower than a 30-year mortgage.
		The 20-year mortgage is best for those individuals that cannot quite afford the higher payments of a 15-year mortgage but want to pay their loan off faster than the traditional 30-year mortgage.
	www.chevronfcu.org /asp/products/product_8_3.asp (298 words)

	Fixed Rate (Site not responding. Last check: 2007-10-24)
		Regardless of interest rate fluctuations, driven by changing economic conditions, the interest rate and interest payments will remain the same for the period of the loan.
		Interest in arrears loans are available for 1, 2, 3, and 5 year terms.
		Interest in advance loans are available for a 1 year term.
	www.hsl.com.au /Fixed_Rate.asp (375 words)

	Fixed Income Funds
		Usually, the interest rate paid by a bond cannot change, which is why bonds are called fixed income investments.
		Fixed income funds can differ greatly according to the quality of the bonds in their portfolios.
		A fixed income mutual fund is a professionally managed pool of money invested primarily in bonds that have been determined to be appropriate for its investment goal.
	www.franklintempleton.com /retail/jsp_cm/education/fund_basic/types/taxable_income.jsp (1280 words)

	Taxable Fixed Income
		In exchange, the investor receives fixed payments of interest on a regular schedule for the life of the bonds, with the full principal returned at maturity.
		Some investors are confused by the inverse relationship between bonds and interest rates, that is, the fact that bonds are worth less when interest rates rise.
		Interest rates typically climb when the economy is growing, and fall during economic downturns.
	www.smithbarney.com /products_services/fixed_income/taxable_fixed_income/corporate.html (4053 words)

	Types of mortgage (Site not responding. Last check: 2007-10-24)
		Whether to take a fixed interest rate, a floating rate, or a mix of both.
		The interest rate you pay is fixed for a period from six months to five years.
		At the end of the term, a fixed interest loan automatically moves to a floating rate unless you negotiate another fixed term.
	www.sorted.org.nz /Types-of-mortgage.html (932 words)

	Interest Only Fixed Rate Mortgage Loan
		A 10 year interest-only feature is available with the 30 year Conforming Fixed loan.
		After the interest-only period the loan will convert to payments of principal and interest amortized over the remaining life of the loan.
		Conforming Fixed is your benchmark for any creative financing package, and by far, the mortgage industry leader.
	www.arisenmortgage.com /index.cfm?action=b14&id=7240,3129 (169 words)

	TG Press Release: Student Loan Consolidation Provides Fixed Interest, Lower Payments for Borrowers (Site not responding. Last check: 2007-10-24)
		While interest rates on federally-backed education loans are usually variable, borrowers can lock in a new, lower, fixed interest rate if they combine their outstanding student loan balances into a Consolidation Loan.
		In addition, the interest rate on a consolidation loan is determined by the weighted average of the current interest rates of the loans being consolidated, rounded up to the nearest one-eighth of a percentage point.
		This spring's graduates may be able to lock in an interest rate as low as 3.46 percent if they choose to consolidate their Stafford loans during the six-month grace period that begins immediately after they've left school.
	www.tgslc.org /newsroom/news/2002/press020603.cfm (559 words)

	ABN AMRO Craigs - Fixed Interest - Investment Statement
		Any fixed term investments that are altered prior to maturity are liable for penalty interest charges of 2% less than the interest rate applying at the time of the investment, although the Company may vary this amount at its discretion.
		Interest will be calculated daily on the deposit balance and compounded on the first business day of each week.
		Interest rates for deposits of a fixed term will remain the same throughout the term of the deposit.
	www.abnamrocraigs.co.nz /cashman2.asp (2581 words)

	USATODAY.com - New Series EE Savings Bonds offer fixed interest (Site not responding. Last check: 2007-10-24)
		Interest on EE bonds issued on or after May 1 will be based on 10-year Treasury notes, which are now yielding 4.25%.
		I Bonds have a 1% fixed rate that stays in place for the life of the bond, and an inflation component based on the consumer price index that's adjusted every six months.
		Interest from Savings Bonds is tax-deferred while you own the bonds, but those taxes come due when you sell.
	www.usatoday.com /money/perfi/columnist/block/2005-04-25-ee-savings_x.htm (965 words)

	Interest Rate Swap
		Interest rate swaps often exchange a fixed payment for a floating payment that is linked to an interest rate (most often the LIBOR).
		A company will typically use interest rate swaps to limit, or manage, its exposure to fluctuations in interest rates, or to obtain a marginally lower interest rate than it would have been able to get without the swap.
		Interest rate swaps are simply the exchange of one set of cash flows (based on interest rate specifications) for another.
	www.investopedia.com /terms/i/interestrateswap.asp (394 words)

	Fixed Interest Rate Loans
		Fixed interest rate loans are for those people who think that interest rates will rise over a specified term and that see an advantage in fixing.
		If a client exceeds the specified extra repayment amount then they are liable for 'break costs' which is an 'economic cost' formula based on the amount fixed, the remainder of the agreed term and the current variable rate.
		We have access to some of the best and lowest fixed rate mortgages available and can also offer fixed products that have unlimited extra repayment and redraw facilities which is quite rare.
	www.rebatehomeloans.com.au /fixed-interest-rates.htm (282 words)

	National Australia Bank - National Tailored Home Loan - Fixed Interest Rate
		Up to $20,000 during the fixed rate period and unlimited when the rate is variable.
		Loan Trimmer - With a NAB Loan Trimmer, the interest rate that would normally apply to your deposit accounts is used to reduce the interest rate charged on your loan.
		If you prepay the loan in full during the fixed rate period, the prepayment fee is, and the economic costs may be, payable.
	www.national.com.au /Personal_Finance/0,,31835,00.html (484 words)

	Fixed Income Investing
		Fixed Income Securities are "Interest Rate Sensitive" securities, and as such, their Market Price will always "vary inversely" with the anticipated direction of interest rates.
		Fixed Income Securities are, by their very nature, Long Term Holdings, AND for a myriad of reasons, higher interest rates, in recent years, have generally been associated with longer maturity dates.
		Fixed Income Securities generally trade in larger dollar quantities than stocks, particularly when initially sold to the public, and the "mark up" on them is both invisible and huge...
	www.sancoservices.com /fixedincomeinvesting.htm (2895 words)

	New fixed-rate, interest-only mortgage surges in popularity
		So-called fixed-rate interest-only mortgages allow borrowers to lock in an interest rate for the life of the loan, while reducing their monthly outlays by paying interest and no principal, typically for the first 10 or 15 years.
		Fixed-rate interest-only mortgages are particularly popular with borrowers who are financially stretched, according to the UBS analysis, which found that borrowers with these loans tended to finance more of their home's value and were more likely to have a second mortgage.
		But rising short-term interest rates, and a narrowing of the gap between short- and long-term rates, have reduced the appeal of adjustable-rate products, such as ARMs and hybrid ARMs, which carry a fixed rate for several years that then adjusts annually.
	www.azcentral.com /home/hb101/articles/0419newmort0419.html (1280 words)

	Fixed Annuities - Participants
		AUL guarantees* that interest will be credited at the higher of the rate guaranteed in the group variable annuity contract and the current rate declared by it.
		Changes in the initial interest rate or in the interest rate for prior contributions will also be effective for at least one year.
		If you have $2,500 or more in the AUL Fixed Interest Account at the beginning of the contract year, up to 20% of that amount may be transferred during that contract year.
	www.rsgonline.net /prod-fixed.asp (473 words)

	Refinance Your ARM to a Fixed-Rate Interest-Only Mortgage- Quicken Loans (Site not responding. Last check: 2007-10-24)
		If you have an ARM and your fixed period is going to expire soon, it may make sense to lock into a rate today.
		An interest-only mortgage is one that gives you the option of paying just the interest or the interest and as much principal as you want in any given month during an initial period of time.
		Regardless of the interest rate environment, there are many reasons to consider refinancing to a fixed-rate interest-only loan.
	www.quickenloans.com /mortgage-news/article/30.html (724 words)

	Fixed Rate Mortgage
		Fixed Mortgage Loans provide you with the stability of a fixed interest rate for the life of your loan.
		Fixed Mortgages now have an interest only option usually for a 10 to 15 year period followed by a full amortization period at the same fixed rate.
		Fixed Rate Mortgages traditionally followed a 30 year term but are now offered as a 35 year or 40 year term.
	fixed-mortgage.org (140 words)

	Plan Details > Fixed Interest Rate
		Interest rates are subject to change at the beginning of each calendar month and guaranteed to be at least 3.00% for calendar year 2006.
		That declared portfolio interest rate is guaranteed until the end of the month and is credited to all new and old deposits as well as credited interest.
		All interest is compounded daily at the declared annual effective rate.
	www.valic.com /prilabel2003/westchester.nsf/contents/plan_rate (343 words)

	John Hancock Insurance and Financial Services :: Learn The Basics :: Fixed Annuities
		Fixed annuities appeal to those seeking to defer tax liabilities; who want to offset or avoid the risk and uncertainty of stock market based investments, such as individual stocks or mutual funds.
		Fixed annuities also offer a way to preserve a rollover from an employer-sponsored retirement plan and lock in a guaranteed interest rate.
		A fixed deferred annuity is a tax-deferred retirement product for those looking to accumulate assets at guaranteed, reliable interest rates.
	www.johnhancock.com /learn/lea_fa.jsp (701 words)

	Fixed Interest Rates
		Fixed rate mortgages protect you from the uncertainty of fluctuating interest rate, enabling you to budget more accurately.
		A fixed rate mortgage may work for or against you.
		However, if interest rates shoot up to 13%, you would have make an excellent decision.
	www.houseweb.co.uk /house/buy/mortgage/fixed.html (218 words)

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