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11
votes
3answers
231 views

Should I pay points on my mortgage?

We're looking into refinancing from a 30 year mortgage at 5.5% (currently 23 years left) to a 20 year mortgage at 4.5%. Paying points will reduce the rate somewhat, but since we don't have extra ...
7
votes
2answers
117 views

What are points on a mortgage?

What are points on a mortgage?
6
votes
2answers
265 views

Are travel point / reward credit cards worth the hassle and cost?

Are travel point / reward credit cards worth the hassle and cost? Many such cards have fees, and when you try to book there are often restrictions. What has your experience been with these types of ...
4
votes
2answers
140 views

Is it good to get 2 credit cards for different bonus?

I currently have a pretty plain credit card, the First Tech Platinum, but I was thinking that I don't really get much out of it, so I started to looked into other cards with better rewards, and cancel ...
4
votes
2answers
98 views

Paying for mortgage points vs investing that money

First time home buyer here. So I've been reading about points and how an up-front payment can save you money in the long term. At first, the numbers seem pretty convincing. For example, pay $5000 ...
3
votes
2answers
102 views

Is there an easy way to compare store or credit card loyalty programs? How can I tell which is best?

Surely someone has come up with a spreadsheet or calculator to run comparisons?
3
votes
1answer
64 views

10-Year Treasury Future Quotes

The CBOE lists the current price for a June 2013 10-Year Treasury future as 132'155. The contract specifications state that the price quote is Points ($1,000) and halves of 1/32 of a point. Does ...
1
vote
2answers
38 views

Do points and miles acquired through signup bonuses ever expire

Many credit cards offer sign up bonuses in the form of points or miles. Now, unless stated explicitly, is there an expiry date for this sign up miles/points?
1
vote
2answers
309 views

Mortgage points vs. down payment: How should I look at the break even point?

Some relevant questions are here: What are points on a mortgage? Should I pay points on my mortgage? First Time Home Buyers - Down Payment, PMI and Points I am aware that most people look at the ...
-1
votes
1answer
31 views

Relationship between points and air miles

Let us say I have Air Canada Aeroplan card, and if I shop at certain retailers, I accumulate points. Now let us say a particular flight on air Canada cost 100,000 miles. How to know how many points ...