Avoid Mortgage Pitfalls, Get Expert Advice #home #loan #interest #rates


#mortgage refi

#

Ready To Turbo Boost Paying Off Your Home Loan?

Our Iron-Clad Guarantee:

Y our mortgage is the vehicle for paying for your home. Choosing the wrong lender can waste thousands of dollars or worse, could even cost your home and wreck your credit. RefiAdvisor.com makes it fast and easy to find the optimal mortgage for your needs from today’s best lenders. To get started, enter your zip code and some basic information and click “Next.”

This free mortgage rate tracker gives you an instant report card on your home loan choices, with specific recommendations on how to get better results than what you’re currently paying.

We’re so confident you’ll find the best deal for your next home loan that we guarantee it. Find a cheaper home loan after comparing our offers and we’ll pay your closing costs.

Remember that the amount you’re paying at closing, particularly for loan origination, makes or breaks the deal you get. You can learn more about getting the best deal on your next home loan by avoiding points and lender junk fees by checking out our free Underground Mortgage Videos.

Find Great Rates In Your State

What People Are Saying

Very helpful! Thank you so much for putting this information together. It has made a huge difference in making sure I am comfortable with my broker choice. RefiAdvisor sent me quality companies to choose from. Thanks again!

Learn More

Check out our free Underground Mortgage Videos and discover how easy it is to save thousands of dollars by avoiding lender junk fees and discount points.


Mortgage Types: are fixed rate mortgages best? Money Saving Expert #mortgage #payments #calculator


#mortgage rate tracker

#

What type of mortgage to choose?

What the * means above

If a link has an * by it, that means it is an affiliated link and therefore it helps MoneySavingExpert stay free to use, as it is tracked to us. If you go through it, it can sometimes result in a payment or benefit to the site. It’s worth noting this means the third party used may be named on any credit agreements.

You shouldnпїЅt notice any difference and the link will never negatively impact the product. Plus the editorial line (the things we write) is NEVER impacted by these links. We aim to look at all available products. If it isn’t possible to get an affiliate link for the top deal, it is still included in exactly the same way, just with a non-paying link. For more details, read How This Site Is Financed .

FREE MoneySaving email

Get this free weekly email full of deals, guides it’s spam free

Forced prepay meter installations could be banned for the most vulnerable customers

HMRC to axe tax credit checking firm Concentrix

Plastic пїЅ5 notes available from today пїЅ but can you use them in ticket machines?

New iPhone 7 interest-free deal is far cheaper than mobile network contracts

Data ‘booster’ prices double for T-Mobile pay-as-you-go customers

Is the BBC costing Brits a fortune when they go on holiday?

How much the Govt expects you to give your children for university

Santander 123 to slash interest to 1.5% – should you ditch it?

If Santander 123 drops interest to 2% is it still worth it?

First-time buyers’ trick: Max LISA and Help to Buy ISA gains by timing it right

Amazon Restaurants delivery service: пїЅ10 off пїЅ15 spend

How much more are Express/Local пїЅconvenienceпїЅ stores costing you?

Amazon Dash ‘house essentials’ service пїЅ is it worth it?

On-pack promotions to look out for in the supermarket пїЅ incl пїЅFREEпїЅ cinema tickets, Nails Inc polish and пїЅ10 off B amp;Q voucher

FREE Monopoly Electronic board gameпїЅ just show пїЅ50 Monopoly money

How this site works

We think it’s important you understand the strengths and limitations of the site. We’re a journalistic website and aim to provide the best MoneySaving guides, tips, tools and techniques, but can’t guarantee to be perfect, so do note you use the information at your own risk and we can’t accept liability if things go wrong.

  • This info does not constitute financial advice, always do your own research on top to ensure it’s right for your specific circumstances and remember we focus on rates not service.
  • We don’t AS a general policy investigate the solvency of companies mentioned (how likely they are to go bust), but there is a risk any company can struggle and it’s rarely made public until it’s too late (see the section 75 guide for protection tips).
  • We often link to other websites, but we can’t be responsible for their content.
  • Always remember anyone can post on the MSE forums, so it can be very different from our opinion.

MoneySavingExpert.com is part of the MoneySupermarket Group, but is entirely editorially independent. Its stance of putting consumers first is protected and enshrined in the legally-binding MSE Editorial Code .

More tools from MoneySavingExpert

Budget Planner

Free tool to analyse your finances and scrutinise spending.

Premium Bonds Calc

Unique tool uses probability to estimate winnings.

EBay Local Deals Mapper

Find cheap pick-up only items near you – they often attract fewer bids.

MobileValuer.com

Selling an old mobile phone? It compares who pays the most.

Credit Card Eligibility Calc

Shows which top cards you’re most likely to get.

MegaShopBot.com

Instantly searches the best shopping comparison sites.

Cheap Energy Club

Ensures the cheapest energy deal constantly.

TravelMoneyMax.com


Ask the Expert: Does mortgage insurance make sense? Dec #cash #call #mortgage


#mortgage disability insurance

#

Think twice before buying into one of the many pitches for different insurance products.
December 19, 2003: 9:31 AM EST
By Walter Updegrave, CNN/Money contributing columnist

NEW YORK (CNN/Money) – I am being offered mortgage protection insurance. Is it worth the cost?

— James Lawrence, Tampa, Florida

Before I answer your question, let’s be sure we’re both talking about the same type of mortgage insurance. There are actually two kinds, and they provide very different types of coverage.

First, there is the type known as private mortgage insurance, or PMI as it’s known in lending circles.

If you are buying a home and putting up a downpayment of less than 20 percent of the home’s value, then generally you don’t have a choice of whether to buy this type of insurance. The lender requires it.

Why? Because PMI isn’t there to protect you — it’s there to protect the insurer in the event you default on your home loan and the lender isn’t able to re-sell your home for enough money to pay off the mortgage.

The cost of PMI varies, but a rule of thumb is about one half of one percent of the loan amount.

So if you’re buying a house for, say, $150,000 and putting 10 percent down ($15,000), the annual cost of PMI on your $135,000 mortgage might run $675 a year, or $56.25 a month.

In years past, some lenders would continue to collect PMI premiums even after the mortgage balance had fallen to well below 80 percent of the home’s original value. But Congress passed the Homeowners Protection Act of 1998, which allows homeowners to request that the lender cancel PMI when the mortgage loan-to-value ratio falls to 80 percent and requires the lender to cancel it when the ratio falls to 78 percent.

By the way, appreciation in the home’s value isn’t taken into account in calculating this ratio — only the decline in the mortgage balance counts.

There are also some other qualifications that may affect your ability to cancel PMI. For more on what the bill requires of you and the lender, click here.

Mortgage life insurance

The second type of mortgage insurance is the type that usually goes by the name mortgage life insurance.

Here, you’re being offered the chance to buy an insurance policy that will repay your mortgage in the event of your death, disability or some incapacitating disease.

This offer — typically by mail — often comes from your lender or an insurance company affiliated with that lender.

This type of insurance is purely voluntary, however, so the question is, should you buy?

Generally, I’d say the answer is no.

It rarely makes sense to buy insurance for narrow reasons — to insure against a specific disease or a single calamity or to provide funds to pay off a single liability, in this case your mortgage.

In the case of life insurance, for example, you’re much better off analyzing your overall insurance need based on what kind of liabilities your spouse or other dependents would face and how much income they would have to replace if you were gone, and then buying enough insurance to meet that need.

Fact is, if you died tomorrow, your dependents would need to replace your income for a variety of reasons, not just to pay the mortgage.

Indeed, it might not even make sense to pay off the mortgage. Your spouse or other survivors might be better off continuing to pay the loan — assuming that’s possible — and putting insurance proceeds to other purposes.

In other words, you should take your overall financial picture into account when buying life insurance.

And the way you should do that is to have a financial planner or life insurance agent perform what’s known as a “needs analysis.” You can also use any one of a number of insurance needs calculators online, including the calculators at The Life and Health Insurance Foundation for Education site and TIAA-Cref site.

Of course, that leaves the question of what type of insurance you should buy — whole life, term, etc. — and the issue of how to shop for the best price for a policy.

For more on those topics, see a column I wrote last year called “Life insurance made easy .”

The same goes for disability insurance. You should consider a long-term disability insurance policy not just because you have an outstanding mortgage, but because you would likely need to generate income for a variety of reasons even if you were disabled and unable to work. For more on choosing a disability policy, click here.


Refinance Rates – Expert Mortgage Advice – RefiAdvisor #mortgage #finance


#mortgage refinancing

#

How You Refinance Mortgage Matters RefiAdvisor

D id you refinance your mortgage a few years ago when refinance rates were at historic lows? Depending on your situation refinance rates still might be lower today and you could find yourself asking, “Should I refinance again?” There are arguments against serial mortgage refinancing because it becomes too difficult to recoup your closing costs; however, there are also situations when it makes perfect sense to refinance your home one more time. Here are several of the pros and cons of home refinancing to help you make an informed decision and avoid losing your hard-earned cash.

Mortgage Lender Spotlight

Each month we showcase exclusive offers from top lenders
that can save you thousands of dollars on your next home loan.

Serial Mortgage Refinancing Gets Expensive

Financial analysts and reporters are always predicting that refinance rates have bottomed out and speculating how the market will correct to over six percent. Despite this, depending on the type of mortgage you’re shopping for it’s still possible to get refinance rates as low as 2.87%.

Granted that’s a 5/1 Adjustable Rate Mortgage and you really need to know what you’re doing with a home loan like that; however, there are still 30 year fixed rate deals to be found in the neighborhood of 3.12%.

If you got less than a stellar deal several years ago you might be surprised to find that you can qualify for attractive rates with several of today’s best mortgage lenders.

When Is Home Refinancing a Bad Idea?

One of the biggest problems with refinancing any mortgage loan is that you’re resetting the clock on your home loan’s amortization. Mortgage amortization is a fancy term that simply describes the process of paying down your home loan over time.

Your mortgage loan is front-loaded with interest, meaning in the early years the majority of your payment goes into the lender s pocket as interest. Over the years this gradually shifts and you begin building equity in your home at a faster rate. As soon as you refinance the rate you re building equity all but grinds to a halt.

If you’ve been paying ten years on a 30-year fixed rate mortgage and you refinance with another 30-year home loan, you’re right back where you started stuffing cash in your lender’s pockets.

Depending on where you live in the country slowing your progress of building equity could also result in being underwater, meaning you owe your lender more than your home is worth.

There’s More To Life Than Low Mortgage Rates

Who s Behind RefiAdvisor?

My name is Robert Regehr and I’m a finance writer with a chip on my shoulder for banks and brokers that take advantage of my friends and neighbors.

Check out my Underground Mortgage Videos and you’ll get everything you need to save thousands of dollars on your next home loan by avoiding unnecessary lender fees and points.

The strategies you find here save the average homeowner $1200 from unwanted markup and junk fees. best of all they’re yours free!

What People Are Saying

Thank you for your video information. I had one of the loan officers that I was speaking with ask me if I was in the banking business due to the knowledge I garnered from your tutorial.

by Michael Boggs, USAF

  • I think your web site gave me the most informative I could find and it was great that it was all in one place. Very informative, thank you so much for posting it.

    Join The Discussion

    • Katie Wilson: This article breaks it down really well!
    • Ralph Haynes: What was the end result of your refi?
    • Roxana Raeside: Thanks
    • Millennial Moola: I feel like anyone with a 5% or higher mortgage must have been living under a rock if they haven’t.
    • MMB: BEWARE OF THIS COMPANY. DO NOT USE THEM FOR A MORTGAGE LOAN! Navy Federal Credit Union is the most irresponsible.
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    Avoid Mortgage Pitfalls, Get Expert Advice #arbor #mortgage


    #mortgage refi

    #

    Ready To Turbo Boost Paying Off Your Home Loan?

    Our Iron-Clad Guarantee:

    Y our mortgage is the vehicle for paying for your home. Choosing the wrong lender can waste thousands of dollars or worse, could even cost your home and wreck your credit. RefiAdvisor.com makes it fast and easy to find the optimal mortgage for your needs from today’s best lenders. To get started, enter your zip code and some basic information and click “Next.”

    This free mortgage rate tracker gives you an instant report card on your home loan choices, with specific recommendations on how to get better results than what you’re currently paying.

    We’re so confident you’ll find the best deal for your next home loan that we guarantee it. Find a cheaper home loan after comparing our offers and we’ll pay your closing costs.

    Remember that the amount you’re paying at closing, particularly for loan origination, makes or breaks the deal you get. You can learn more about getting the best deal on your next home loan by avoiding points and lender junk fees by checking out our free Underground Mortgage Videos.

    Find Great Rates In Your State

    What People Are Saying

    Very helpful! Thank you so much for putting this information together. It has made a huge difference in making sure I am comfortable with my broker choice. RefiAdvisor sent me quality companies to choose from. Thanks again!

    Learn More

    Check out our free Underground Mortgage Videos and discover how easy it is to save thousands of dollars by avoiding lender junk fees and discount points.


    Mortgage Types: are fixed rate mortgages best? Money Saving Expert #interest #rate


    #mortgage rate tracker

    #

    What type of mortgage to choose?

    What the * means above

    If a link has an * by it, that means it is an affiliated link and therefore it helps MoneySavingExpert stay free to use, as it is tracked to us. If you go through it, it can sometimes result in a payment or benefit to the site. It’s worth noting this means the third party used may be named on any credit agreements.

    You shouldnпїЅt notice any difference and the link will never negatively impact the product. Plus the editorial line (the things we write) is NEVER impacted by these links. We aim to look at all available products. If it isn’t possible to get an affiliate link for the top deal, it is still included in exactly the same way, just with a non-paying link. For more details, read How This Site Is Financed .

    FREE MoneySaving email

    Get this free weekly email full of deals, guides it’s spam free

    Forced prepay meter installations could be banned for the most vulnerable customers

    HMRC to axe tax credit checking firm Concentrix

    Plastic пїЅ5 notes available from today пїЅ but can you use them in ticket machines?

    New iPhone 7 interest-free deal is far cheaper than mobile network contracts

    Data ‘booster’ prices double for T-Mobile pay-as-you-go customers

    Is the BBC costing Brits a fortune when they go on holiday?

    How much the Govt expects you to give your children for university

    Santander 123 to slash interest to 1.5% – should you ditch it?

    If Santander 123 drops interest to 2% is it still worth it?

    First-time buyers’ trick: Max LISA and Help to Buy ISA gains by timing it right

    Amazon Restaurants delivery service: пїЅ10 off пїЅ15 spend

    How much more are Express/Local пїЅconvenienceпїЅ stores costing you?

    Amazon Dash ‘house essentials’ service пїЅ is it worth it?

    On-pack promotions to look out for in the supermarket пїЅ incl пїЅFREEпїЅ cinema tickets, Nails Inc polish and пїЅ10 off B amp;Q voucher

    FREE Monopoly Electronic board gameпїЅ just show пїЅ50 Monopoly money

    How this site works

    We think it’s important you understand the strengths and limitations of the site. We’re a journalistic website and aim to provide the best MoneySaving guides, tips, tools and techniques, but can’t guarantee to be perfect, so do note you use the information at your own risk and we can’t accept liability if things go wrong.

    • This info does not constitute financial advice, always do your own research on top to ensure it’s right for your specific circumstances and remember we focus on rates not service.
    • We don’t AS a general policy investigate the solvency of companies mentioned (how likely they are to go bust), but there is a risk any company can struggle and it’s rarely made public until it’s too late (see the section 75 guide for protection tips).
    • We often link to other websites, but we can’t be responsible for their content.
    • Always remember anyone can post on the MSE forums, so it can be very different from our opinion.

    MoneySavingExpert.com is part of the MoneySupermarket Group, but is entirely editorially independent. Its stance of putting consumers first is protected and enshrined in the legally-binding MSE Editorial Code .

    More tools from MoneySavingExpert

    Budget Planner

    Free tool to analyse your finances and scrutinise spending.

    Premium Bonds Calc

    Unique tool uses probability to estimate winnings.

    EBay Local Deals Mapper

    Find cheap pick-up only items near you – they often attract fewer bids.

    MobileValuer.com

    Selling an old mobile phone? It compares who pays the most.

    Credit Card Eligibility Calc

    Shows which top cards you’re most likely to get.

    MegaShopBot.com

    Instantly searches the best shopping comparison sites.

    Cheap Energy Club

    Ensures the cheapest energy deal constantly.

    TravelMoneyMax.com


    Rixot – Free for Everyone Keywords Ranking Tool #adwords #optimization #expert


    #

    Rixot is a powerful set of tools for web analysis, developed on a basis of our long-standing expertise in search engine optimization. This revolutionary web source embodies all our knowledge and experience and can be used free of charge by any user, who needs valid data on any website.

    Within this web service, you have a Google US organic traffic monitoring tool, a website ranking checker and a competitive tracking solution at your fingertips.

    Rixot is made for SEO experts and all users, interested in the principles of online marketing. It allows us to build a correct SEO strategy for any project and it will allow you to do the same.

    Discover a tool that exceeds ordinary web-analytics!

    In-Depth Organic Traffic Analysis

    Expert advice
    Do not jump to conclusions once you receive one or two days worth of data. As the websites attendance depends on a range of factors, we suggest studying weekly, monthly or more long-term data.

    Competitive Research
    Know your competitors and unveil their SEO strategy

    Disclose your competitors and find out about their top keywords! With Rixot you do not have to be the owner of the website to see its positions in organic search results. You can discover how many organic visitors come to a competitor’s website every day and how it manages to stay in Google TOP. We select competitor’s on the basis of keywords for higher accuracy of results.

    Knowing, how crucial it is for you to stay abreast of the latest changes, we regularly update data and use powerful analytical algorithms. To help your goals we created Rixot Rank, a complex value for comparing websites, in order to help you objectively evaluate your success.

    Expert advice
    In online promotion, no factor is minor. We suggest approaching all aspects of your strategy with equal amount of effort and pay close attention to its weak points, which you can easily define after studying your rivals.

    Keywords Performance Insight

    Rixot provides you with a free keyword research tool that helps you find yours and your competitors’ top keywords. Moreover, using a free
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    Due to the fact that we created Rixot keywords ranking checker as our working tool, we guarantee you 100% valid data. Due to constant website
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    Studying several days worth of data is sufficient enough for discovering the essential changes. Comparing search engine rankings for specific dates allows you to choose the direction of the web source development. Improve content and observe positive dynamics every day.

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    API is in high demand among customers, businesses and programmers, as it offers multiple app development benefits and considerably facilitates the process of tracing and managing data. Rixot provides its users with this opportunity: each registered Rixot user is provided with a personal API. Work with data in your own software and provide your clients with the most informative reports. The API key gives you an access to all web-analytics data tracked by Rixot and a way to integrate it with the apps you use for your work. Due to a lightweight and flexible JSON format, you can easily work with the data without becoming tied to any particular programming languages or straining your software. Moreover, you can arrange the data the Rixot server sends at your convenience.

    Expert advice
    As the web analytical data is constantly updated, it is better to have a constant access to it, instead of exporting bits of information in less flexible file formats. Rixot API enables tracking position growth and daily Google traffic within any apps or software you work with.


    Ask the Expert: Does mortgage insurance make sense? Dec #uk #mortgage #rates


    #mortgage disability insurance

    #

    Think twice before buying into one of the many pitches for different insurance products.
    December 19, 2003: 9:31 AM EST
    By Walter Updegrave, CNN/Money contributing columnist

    NEW YORK (CNN/Money) – I am being offered mortgage protection insurance. Is it worth the cost?

    — James Lawrence, Tampa, Florida

    Before I answer your question, let’s be sure we’re both talking about the same type of mortgage insurance. There are actually two kinds, and they provide very different types of coverage.

    First, there is the type known as private mortgage insurance, or PMI as it’s known in lending circles.

    If you are buying a home and putting up a downpayment of less than 20 percent of the home’s value, then generally you don’t have a choice of whether to buy this type of insurance. The lender requires it.

    Why? Because PMI isn’t there to protect you — it’s there to protect the insurer in the event you default on your home loan and the lender isn’t able to re-sell your home for enough money to pay off the mortgage.

    The cost of PMI varies, but a rule of thumb is about one half of one percent of the loan amount.

    So if you’re buying a house for, say, $150,000 and putting 10 percent down ($15,000), the annual cost of PMI on your $135,000 mortgage might run $675 a year, or $56.25 a month.

    In years past, some lenders would continue to collect PMI premiums even after the mortgage balance had fallen to well below 80 percent of the home’s original value. But Congress passed the Homeowners Protection Act of 1998, which allows homeowners to request that the lender cancel PMI when the mortgage loan-to-value ratio falls to 80 percent and requires the lender to cancel it when the ratio falls to 78 percent.

    By the way, appreciation in the home’s value isn’t taken into account in calculating this ratio — only the decline in the mortgage balance counts.

    There are also some other qualifications that may affect your ability to cancel PMI. For more on what the bill requires of you and the lender, click here.

    Mortgage life insurance

    The second type of mortgage insurance is the type that usually goes by the name mortgage life insurance.

    Here, you’re being offered the chance to buy an insurance policy that will repay your mortgage in the event of your death, disability or some incapacitating disease.

    This offer — typically by mail — often comes from your lender or an insurance company affiliated with that lender.

    This type of insurance is purely voluntary, however, so the question is, should you buy?

    Generally, I’d say the answer is no.

    It rarely makes sense to buy insurance for narrow reasons — to insure against a specific disease or a single calamity or to provide funds to pay off a single liability, in this case your mortgage.

    In the case of life insurance, for example, you’re much better off analyzing your overall insurance need based on what kind of liabilities your spouse or other dependents would face and how much income they would have to replace if you were gone, and then buying enough insurance to meet that need.

    Fact is, if you died tomorrow, your dependents would need to replace your income for a variety of reasons, not just to pay the mortgage.

    Indeed, it might not even make sense to pay off the mortgage. Your spouse or other survivors might be better off continuing to pay the loan — assuming that’s possible — and putting insurance proceeds to other purposes.

    In other words, you should take your overall financial picture into account when buying life insurance.

    And the way you should do that is to have a financial planner or life insurance agent perform what’s known as a “needs analysis.” You can also use any one of a number of insurance needs calculators online, including the calculators at The Life and Health Insurance Foundation for Education site and TIAA-Cref site.

    Of course, that leaves the question of what type of insurance you should buy — whole life, term, etc. — and the issue of how to shop for the best price for a policy.

    For more on those topics, see a column I wrote last year called “Life insurance made easy .”

    The same goes for disability insurance. You should consider a long-term disability insurance policy not just because you have an outstanding mortgage, but because you would likely need to generate income for a variety of reasons even if you were disabled and unable to work. For more on choosing a disability policy, click here.


    Identity theft crime #identity #theft, #identity #theft #expert, #scam, #fraud, #identity #protection, #id #theft, #identity


    #

    FEATURED IDENTITY THEFT & SCAM NEWS

    Gas Pump Skimmer Sends Card Data via Text
    krebsonsecurity.com
    Skimming devices that crooks install inside fuel station gas pumps frequently rely on an embedded Bluetooth component allowing thieves to collect stolen credit card data from the pumps wirelessly with any mobile device. The downside of this approach is that Bluetooth-based skimmers can be detected by anyone else with a mobile device. Now, investigators in the New York say they are starting to see pump skimmers that use cannibalized cell phone components to send stolen card data via text message.

    Bankers Ditch Fat Salaries to Chase Digital Currency Riches
    bloomberg.com
    From Hong Kong and Beijing to London, accomplished financiers are abandoning lucrative careers to plunge into the murky world of ICOs, a way to amass quick money by selling digital tokens to investors sans banks or regulators. Cut out of the action, a growing cohort of banking professionals are instead applying their talents toward buying or hawking cryptocurrency.

    He Won Praise for Halting a Global Cyberattack – Then He Was Arrested
    nytimes.com
    A British security researcher, who became an internet hero after he was credited with stopping a malicious software attack this year, was arrested at the Las Vegas airport and charged in connection with a separate attack.

    Does your organization need a consultant who can deliver information security awareness training that contains the truth about what works and what doesn t in the fight against the fastest growing crimes in the world?

    Does your conference need an experienced speaker who will captivate the audience with dramatic real life cases of identity theft, cybercrime and scams ranging from stolen personal information, to theft of corporate trade secrets, to stalking and murder?

    Are you a member of the media seeking a comment about ID theft, scams, data breaches, cybercrime, information security, or fraud?

    If so, we invite you to learn more about identity theft and scam expert Rob Douglas.

    TODAY’S IDENTITY THEFT & SCAM NEWS

    Personal Info of 650,000 Voters Discovered on Poll Machine Sold on Ebay
    gizmodo.com
    When 650 thousand Tennesseans voted in the Memphis area, they probably didn’t expect their personal information would eventually be picked apart at a hacker conference at Caesars Palace Las Vegas.

    FCC Seeks $82 Million From Man Accused of Millions of Scam Phone Calls
    newsobserver.com
    The Federal Communications Commission has proposed an $82.1 million fine against Best Insurance Contracts owner Philip Roesel. It appears Roesel made more than 21 million spoofed robocalls across the nation while operating as Wilmington Insurance Quotes, the FCC announced Thursday in a news release.

    Caller ID Trickery: Fraud Artist Calls Victim Posing as Bank
    fox4now.com
    The caller I.D said Wells Fargo and the caller knew her name but it turned out to be a scam. I never knew they could take a caller I.D. number and make it whatever they want, said Alissa.

    Wells Fargo May Have Forced 570,000 Customers Into Unneeded Auto Insurance
    money.cnn.com
    The bank said late Thursday it is extremely sorry for charging as many as 570,000 customers for car insurance they didn t need. An internal review by Wells Fargo (WFC) found that about 20,000 of those customers may have defaulted on their car loans and had their vehicles repossessed in part because of these unnecessary insurance costs.

    At Least 27 Day Cares Targeted in Sex Abuse Scam
    kare11.com
    Scammers have all sorts of targets, from travelers to the elderly, when it comes to phishing schemes. Now in Woodbury, police believe they have targeted at-home day care providers. “This is definitely a very aggressive and threatening scam,” says Jessica Glass.


    FAQ: If your viral load is undetectable, can you still pass the virus to another


    #

    HIV/AIDS

    for Veterans and the Public

    Frequently Asked Questions

    Q: If taking anti-HIV drugs has made my viral load undetectable (meaning that the virus isn’t showing up on blood tests), can I still pass the virus to another person through sex?

    The research results available at this time show that our current HIV medication regimens (antiretroviral therapy, or ART) are very, very effective at preventing HIV transmission to a sex partner if the HIV viral load is undetectable. The following two studies focus on this question.

    A large international study looked at heterosexual couples in which one partner was HIV positive and the other was HIV negative (we call these serodifferent couples). The study found that if the positive partners took ART to suppress their viral loads, their risk of infecting their partners was enormously reduced, by 93% overall, over about 5 years. And, if the HIV-positive partner was consistently on HIV medications, with an undetectable HIV viral load, there were no partner infections. It is important to note that the couples in this study were encouraged to use condoms.

    A smaller study looked at both male-female serodifferent couples and male-male serodifferent couples who did not use condoms (and did not plan to use them). All of the HIV-positive partners in the study were on ART and had undetectable HIV viral loads. After more than a year, none of the HIV-negative partners had become HIV positive.

    The results of these studies show that if an HIV+ person is on ART with a completely suppressed HIV viral load, the risk of infecting an HIV-negative sexual partner is likely to be extremely low. However, there are some major caveats to consider:

    • The risk of HIV transmission may be very low if the HIV-positive person’s viral load is suppressed, but the opposite is also true: risk may increase substantially if the HIV viral load is not undetectable.
    • Very low risk does not mean zero risk, and ART alone will never be 100% protective for all couples. This is because HIV transmission may occur if patients stop taking their HIV medications, if they miss doses, if their HIV viral loads are not suppressed for other reasons, if they have other conditions that increase the amount of HIV in their sexual fluids (for example, sexually transmitted infections), or they engage in riskier practices.
    • We need more data to be able to specify what the level of risk of HIV transmission is, especially for men who have sex with men and for transgender women and men. This means we will need to study more serodifferent couples for longer periods of time.
    • An HIV-negative person may have a low risk of being infected by a partner who is taking potent ART, but he or she will not be protected from being infected by any other partners who are not taking ART.
    • We have very few data on how effective ART is in preventing HIV transmission via sharing injection drug equipment.
    • And, there is no sure way to know whether we can apply these data to you or to any specific individual.

    It is important to ask your health care provider for advice that is targeted to you as an individual, and to your partner, in order to get a better idea of your risk for passing HIV and ways that you might lower this risk. And of course, it is really important to have frank and open conversations about HIV transmission with your HIV negative partner(s), so you and they can make informed decisions about what level of risk you both are willing to accept.

    Finally, remember that for ART to be effective, you MUST take your HIV medications every day, as prescribed, in order to keep the HIV virus suppressed to undetectable levels. And ART does not take the place of other risk-reduction strategies, like PrEP for HIV-negative partners, condoms, and behavioral changes–these may be important not just for HIV reduction but also for STD prevention and pregnancy prevention.

    April 09, 2013; Last reviewed/updated: January 2017, by Susa Coffey, MD