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How to refinance your mortgage in 5 easy steps

Mortgage rates are at a record low - and it is simple to refinance your home loan. (iStock)Do you think it's time to refinance your mortgage? You are in good company.Refinancing applications in the United States rose 6.8% in the week ending August 7, almost twice as much as a year ago, according to the Mortgage Bankers Association (MBA)'s Weekly survey on mortgage applications. Chalk up the refi incentive for record low mortgage rates: The average interest rate on a 30-year fixed mortgage has hovered below 3 percent in recent weeks, reports mortgage lender Freddie Mac.You can Explore your mortgage…

Insurance Commissioner Jon Godfread says the bill seeks to improve ‘people’s dollars’ in North Dakota

It is a nod to the growing support of a bill that, if passed, will make it possible to invest Legacy dollars in infrastructure projects and provide capital to state-owned enterprises. Perhaps no one is more excited than Jon Godfread, the State Insurance Commissioner and member of the State Investment Board, a longtime spokesman for investing money here at home. At present, most older investments are made out of state. In December Godfread discussed Legacy Fund investment opportunities during a meeting with the Grand Forks Heralds editorial staff. That was before the opening of the Legislative Assembly in 2021. House…

How to buy a jet card and avoid costly mistakes

Amidst non-stop press releases and panels of private jet providers announcing record increases in memberships and sales growth, avid observers looking at actual flight hours and often wondering about the big gap? After all, if flight hours for fraction and charter private jet operators only hovered around 90% of pre-COVID levels in December, how can so many brokers and operators report triple-digit sales increases? A recent press release from Boston-based broker Magellan Jets noted both a 200% increase in jet card sales and a 20% drop in flight hours. Vista Global's said its XO unit saw a 240% increase in…

Beware of these private jet promotions

Private jets are popular, and the broader travel industry has noticed. Luxury hotels, resorts and even destinations are rushing to promote private aviation partnerships. The idea, in part, is that they offer a one-stop option. Book your luxury suite and our private aviation partner can handle these private flights. What is ignored is that private aviation is not just about pictures of club seats and what type of catering you want. It is a significant purchase, not studying the details can be expensive and the best option for you may not always be clear. As several hotels, resorts and destinations…

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