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Rising Interest Rates

4/4/2018

If you follow the national business news, you are likely getting mixed messages about the state of the economy. While never very reassuring, pundits’ opinions on the stock market and the country’s economic state are changing as frequently as the weather. 

But there’s one area that’s been constant for some time now: rising interest rates. If you’re thinking of taking out a mortgage, or any other large loan, in the near future, you might be waiting until those rates start going down again. 

Here’s why that might not be the best idea. 

Interest rates will continue to rise throughout 2018.

Experts predict that interest rates on financial products will continue to increase throughout the year.  There are several factors triggering this rise, none of which are likely to be resolved anytime soon. Whether you’re interested in taking out a personal loan or a second mortgage, 2018 may not be a very good year for borrowers.

It’s not looking too great for those who are looking to take out short-term loans either. The U.S. central bank raised short-term interest rates a total of three times in 2017, and that trend is expected to continue. Experts claim 2018 will see an additional three interest rate hikes, each being 0.25%. If you need to borrow money from Sharon Credit Union, it’s best to consider your plans sooner rather than later to ensure you can lock in before rates get higher.

The inflation factor

Unemployment rates may be down across the country, but wage growth continues to crawl at an almost nonexistent pace. This, in turn, leads to limited price growth, which keeps the inflation rate stagnant. However, the feds are expecting all of this to change in the coming year. They expect wage growth to finally kick off and then set in motion an uptick in inflation and price growth. 

The government wants to stay ahead of any surge in inflation. It does so by increasing interest rates even before there is clear evidence of an inflation peak. In fact, just last month, the feds raised interest rates on short-term loans yet again, citing an inflation scare at the beginning of February as the primary factor behind their decision. 

Financial institutions and credit card companies pattern their own interest rates after the government’s rate. For this reason, it’s best to work on aggressively paying down outstanding debt you have before you’re hit with increased interest rates.

Government deficits and tax cuts

Long-term interest rates have been rising since December. This is largely due to the growing government deficit linked to recent tax cuts. The pending two-year budget plan will put the government even deeper into the red and likely cause those rates to climb even higher.

In short, this trend of rising rates will not become history for a long while.

Mortgages

Mortgage interest rates are now at an all-time high; they are currently close to 4.6% and are up more than 20% from a year ago. 

There are multiple factors driving this increase, including the administration’s proposed tariffs on steel and aluminum and the associated concerns over the U.S. trade market.

For the most part, though, mortgage interest rates are based on the 10-year Treasury yield. When bond yields rise, so do mortgage rates. The recent tax overhaul caused investors to favor stocks over bonds, and consequently mortgage rates have been climbing since the tax plan was first introduced in September.

Some experts are actually predicting a turnaround for mortgages in 2018. They are hopeful that the expected volatility in the yield curve will trigger a similar curve for mortgages, possibly even causing them to dip below 4% sometime this year. However, all agree that by year’s end, the mortgage rate will settle at a stable 4.5%.

No one can be certain of anything, though. And waiting until the rates drop might prove to be pointless. In fact, you might even end up paying a higher rate because of that delay.

The good news

Take heart; it’s not all doomsday forecasts on the economic front!

Greg McBride, Bankrate’s chief financial analyst, predicts a great year for returns on savings. He claims that 2018 will be beneficial for all savings accounts, and especially for CD holders, with an average one-year CD yielding a 0.7% return by the end of 2018.

If you’ve been thinking about opening a share certificate or other ways to grow your savings, talk with us, and start putting your plan into action! 

What it means for you

Let’s review the practical steps you can take in this economic environment:

1.)   If you’re thinking of taking out a mortgage or another long-term loan, don’t wait for rates to decrease; it isn’t likely to happen anytime soon.

2.)   Try to pay off your debt at a quicker pace than you’ve been doing until now to avoid getting hit with rising interest rates.

3.)   2018 is a great time to increase your savings and to open a share certificate. Check out our rates here

Volatile economy got you stressed? No worries! At Sharon Credit Union, we’re always here to help you through any financial turn. Call, click, or stop by today! 

Your Turn: What steps are you taking in the current financial climate? Paying down debt? Increasing your savings? Tell us all about it in the comments! 



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BEST WAYS TO GET YOUR EX LOVER BACK AND RESTORED YOUR BROKEN MARRIAGE OR RELATIONSHIP FROM SORROW TO HAPPINESS.

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12/13/2021 11:06 AM Margaret L. from Houston, TX
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I never thought that I could be this wealthy after all I've been through trying to meet ends and take care of my family, I used to play lottery but has never be lucky to win until I saw some comments online how he had helped a lot of people win, after first I didn't believe him but still I gave it a try, I wrote him a message on email after few hours he replied back so I told him what I want he assured me success. he also told me what I should do and I did all he requested from me, after some hours he gave me the lucky numbers and showed me where to play so i did as instructed to my biggest surprise I won 27 million pounds (Euromillions). Now I'm rich and happy all thanks to Dr Benjamin for the help, I'm nothing without you. if you need his help to win you can reach him via his email drbenjaminlottospell711@gmail.com and his whatsapp +13344539570 or visit his website Drbenjamintemple.com
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12/12/2021 11:12 PM Monisha A. from california, CA
I promise to share this testimony all over the world once my boyfriend returns to me, and today with all due respect I want to thank DR.ONIHA for bringing joy and happiness to my relationship and my family. I want to inform you all that there is a spell caster that is real and genuine. I never believed in any of these things until I lost my boyfriend, I required help until I found a great spell caster, And he cast a love spell for me, and he assured me that I will get my boyfriend back in two days after the spell has been cast. Three days later, my phone rang, and so shockingly, it was my boyfriend who has not called me for the past 6 years now, and made an apology for the heartbreak, and told me that he is ready to be my backbone till the rest of his life with me. DR.ONIHA released him to let me know how much I loved and wanted him. And opened his eyes to picture how much we have shared together. As I`m writing this testimony right now I`m the happiest girl on earth and me and my boyfriend are living a happy life and our love is now stronger than how it was even before our break up. So that`s why I promised to share my testimony all over the universe. All thanks goes to DR.ONIHA for the excessive work that he has done for me. Below is the email address in any situation you are undergoing, it may be a heartbreak, and I assure you that as he has done mine for me, he will definitely help you too.
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GREAT SPELL CASTER
12/12/2021 11:10 PM LAURA C. from california, CA
I have to say wholeheartedly I believe Oniha is a gifted individual and gentility his second nature. I have received the most rewarding and spiritual experience whilst conversing with him on the telephone. I heard and saw an angel in my minds-eye it was so overwhelming. I knew at the moment finally my difficulties were over. He deserve recognition for his power and talents as a beautiful individuals who brings spirit close to those in need. I have been touched deeply, nothing has come as close to me before. I am in total awe and have a great deal of respect. Thank you Dr Oniha for reuniting me with my estranged husband. Anyone who needs relationship help should contact this man he will help you. Email:onihaspelltemple@gmail.com Call/Whatsapp number: +16692213962 Website: http://onihaspells.com.
WIN BIG ON YOUR LOTTERY GAMES WITH THE HELP OF DR AMBER
12/9/2021 6:09 AM Lerynne W. from White Plains, NY
I never knew lottery spells existed until I was referred to DR AMBER by my neighbor. I have been playing lottery games for the past 7 years and I have never won above $2,000 but after I came in contact with DR AMBER, I told him my past experience about playing lottery of which I have never won big amount and DR AMBER told me what will be done by praying and preparing a lottery spell for me. He did that and gave me some numbers to play the lottery game. At first I took everything as a joke until I was emailed a week after that I had won the sum of $343.9 million. I was shocked and surprised at that very moment because my long awaited prayers had finally been answered and I thank DR AMBER for helping me out for my financial status to change and that of my generations. If you want to win a huge amount on your next lottery game, contact DR AMBER now and I assure you that your bold step will be your change of level.

Email him via: amberlottotemple@yahoo.com or Call/WhatsApp this number +1 (406) 646-2222 for immediate response.
investment
12/9/2021 2:24 AM Sanchez J. from ATL, GA
Crypto investment has been a real hassle for me, after a failed investment during the pandemic, I decided to take the back seat and focus on increasing my knowledge about bitcoin and the crypto investments.
After consulting with sealcoindeal @ gmail dot com, I got investment networking I could leverage on and my patience and knowledge has paid off greatly.
Testimony
12/2/2021 6:43 AM an anonymous user.
What a powerful spell caster, all my life i have never seen a powerful man like Dr Graceondu, i have been playing lottery game for years now and i have never won any reasonable amount of money i was just checking things online and i stumble on a testimony about Dr Graceondu on how he helped someone with a lottery game and the person won a very big amount of money at first i never believed in the fairy tails but i just decided to give it a try, so i contacted Dr Graceondu through his website and he told me what i need to do, i didn’t wanted to do it at first but my mind keep telling me to give it a try so i decided to give it a try so i did what he asked me to do, the next day in the morning he sent me some lottery number to play so played the game, to my greatest surprise i won a very big amount of money $5.1million i was shocked i couldn’t close my mount because it was a life transformation for me, i just want the whole world to help me thank Dr Graceondu for transforming my life and that of my family i promised him i was going to tell the whole world about him, you can also contact him if you need his help too.
You can reach him via his email drgraceondu12@gmail.com or WhatsApp him +15204677763, you can also visit his website at https://drgraceonduadodo.com
lotto spell
11/26/2021 10:09 PM an anonymous user.
Hi everyone, my name is Francisco!
Top Secret Way To Win Lottery With The Help Of A Magic spell caster called Dr. Prince . I requested a lottery spell, and he cast the spell and sent me the winning lottery number. Now I am a proud lottery winner with the help of Dr.prince . I won $1,000,000.00 ( One Million Dollars) Thank you so much sir for dedicating your time to cast the Lottery spell for me. I am extremely grateful for the Lottery spell you did for me. You can contact him now for your own winning numbers.

Email: obinnaspelltemple@yahoo.com

WhatsApp him: +18488416266
How my marriage was restored within 48 hours
11/26/2021 3:53 PM Amy L. from White Plains, NY
Life doesn’t get easier, instead we strive hard to make it easy for us and today I’m so happy and glad that my husband is back to himself again after he had turned drinking into a habit. I don’t want to lose my husband for any reason. I was hurt with how our lives just changed and I needed help. I went online to search for help on how I can save my marriage and I came across lots of genuine testimonies about Lord Zakuza that specializes in all kinds of spell casting and I gave it a try to save my own marriage. Lord Zakuza accepted to help me and he cast a spell for me that made my husband reduced his intake of alcohol within 48 hours and within 7 days, he stopped drinking. My marriage was fully restored back with Joy, love and romance and I want to say thank you to Lord Zakuza for helping me. Anyone that needs help can contact him via Call/WhatsApp on this cell phone number +1 (740) 573-9483 or visit his website: Lordzakuzaspells.com or send him an email via: lordzakuza7@gmail.com
CRYPTOCURRENCY RECOVERY
11/24/2021 2:52 PM CAVRIL NEWTON H. from HOUSTON,TX, TX
Cryptocurrency recovery expert referral.

HOW TO RECOVER STOLEN BITCOIN / FINANCIAL ASSETS
I lost my bitcoin to fake blockchain.com impostors on Facebook, they contacted me as blockchain official support and I fell stupidly for their mischievous act, this made them gain access into my blockchain wallet account, whereby 7.0938 btc was stolen from my wallet in total .I was almost in a comma and dumbfounded because this was all my savings I banked up on , waiting for bitcoin rate to improve . Then my niece recommended me to an expert, I researched online and found the recovery expert , with the contact address- QUADHACKED@GMAIL.COM .I wrote directly to the specialist explaining my loss. Hence, he helped me recover my bitcoin just after 2 days. He helped me launch the recovery program , and the culprits were identified as well , all thanks to his expertise . I hope I have been able to help someone as well . Reach out to the recovery specialist to recover your lost funds from any form of online scam, he is dependable and trustworthy .
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UNDETECTED FAKE BIRTH CERTIFICATE FOR FOREIGN PASSPORTS
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Bitcoin Private Key Finder
10/25/2021 5:43 AM jose123 j. from Tordillo, GU
Bitcoin Private Key Finder Bitcoin Key Finder is the # 1 app for finding BTC Bitcoin private keys with a balance. It gives you the exact  BTC Bitcoin private key in a minute all transaction and shows you the current balance. BTC Bitcoin Key Finder saves all the results and gives you an easy export option to save to your hard drive. Did you know that there are literally thousands of bitcoin addresses with a balance and no transactions in years. Get your Bitcoin Key Finder now to be the first to find one of these gems.
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How i get my man back
10/23/2021 10:41 PM an anonymous user.
We can always make our relationship the best for us, life or career a successful as we desire, it only take you to put in the right effort and if you feel you need help then look for help. After my man left me heartbroken. I was lonely, devastated and sad luckily I was directed to a very kind and powerful man (Dr Akhigbe) who helped me brought back my man and now he loves me far more than ever am so happy with life now thank you so much. You can contact him on WhatsApp +2349021374574 or email drakhigbspellhome7@gmail.com.
Lottery spell to help win mega millions
10/20/2021 11:37 AM Timothy D. from Schenectady, NY
PERFECT LOTTERY SPELL THAT WORK FAST WITHIN 24 HOURS WITH DR RAYPOWER LOTTERY SPELL POWERS

I saw so many testimonies about Dr. Raypower a great lottery spell caster that will help you cast a lottery spell and give you the rightful numbers to win the lottery, I didn't believe it, at first but as life got harder i decided to take a try, I contacted him also and told him I want to win a lottery he cast a lottery spell for me which I use and I play and I won $3,000,000 (THREE MILLION DOLLARS). I am so grateful to this man Dr. Raypower and I are making this known to everyone out there who have been trying all day to win the lottery, believe me this is the only way to win the lottery, this is the real secret we all have been searching for. Do not waste time contacting him today for you to also be a winner contact info below.
Urgentspellcast@gmail.com
WhatsApp: +1 (424) 330-8109
Website: https://urgentspellcast.wordpress.com
BRING BACK YOUR EX
10/15/2021 1:56 AM OSEREMEN G. from Avilés, AR
i am here to give testimony on how this powerful spell caster called Dr Oseremen helped me to fix my relationship. i was heartbroken when my fiancee told me he is no longer interested in marrying me because he was having an affair with the other woman where he work. I cried and sobbed every day, until it got so bad that I reached out to the Internet for help, that was when i read a review about the great work of Dr Oseremen, then i contacted him for help to get my lover back, he helped me cast a powerful (reconciliation love spell) and to my greatest surprise after 48 hours of doing the love spell my Fiancee came back on his knees begging me to forgive him We are now happily married and all thanks goes to Dr Oseremen Wonders for helping me save my relationship you can contact Dr Oseremen through his email address: oseremenspiritualhome@mail.com or WHATSAPP him on +393510454196
LOVE SPELL
10/13/2021 9:46 AM Cassie B. from United States , IA
Hello I'm so happy sharing this, I still can’t thank you enough powerful Priest Elijah, My husband left for a younger lady because i was unable to give birth due to PCOS,I was so devastated i was lonely i cried a lot i even tried taking my life, Then my friend told me about this great man Priest Elijah who helped her made her marriage perfect, I also went online and did more research about him i was not too sure but i decided to give him a try he told me not to worry everything was going to be alright, He told me all i needed to pay which was a convenient fee and i did and he did his work and sent me video proof and told me to wait 24hrs that he will be back, The next morning to my greatest surprise it was Shawn my husband on his knees begging I'm so happy, It didn’t stop there, I'm proud to say that I'm 3 weeks pregnant thank you so much Priest Elijah I'm forever grateful contact him

Email: universalspellhelp@gmail.com

WhatsApp him +2347054380994

Website: https://universalspellhelp.wixsite.com/priestelijah
Effective love spell
10/5/2021 10:40 AM an anonymous user.
Hello everyone, my name is Elisa Keily I am so overwhelmed with joy all thanks to Dr Raypower spell. my husband left me for another woman few years back and I was very devastated cause I never did anything wrong to him, I was left with my two kid and a job that pays little.i was almost giving up until I saw a testimony online about Dr Raypower and I decided to contact him.i explained my problem to him and he assured me I'll see a positive result after 24hurs, surprisingly my husband came back the day after the spell begging me to forgive him and promised to never leave. My husband has been back for 6 months now and we've never had any issues, am glad I didn't doubt Dr Raypower cause he sure can solve any problems with fast relief you can also contact him for help now

Email: Urgentspellcast@gmail.com or Urgentspellcast@yahoo.com

Website: https://urgentspellcast.wordpress.com/ 

WhatsApp: +14243308109
CRYPTOCURRENCY RECOVERY
9/9/2021 3:14 AM NINA H. from SAN FRANCISCO , CA
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QUADHACKED@GMAIL.COMThis recovery agency is reliable, efficient and trustworthy
Credit solution
7/26/2021 4:32 AM Stella A. from Tucson, AZ
Unbelievable! We finally secured a loan, got a house, a car and our medical bills have just been settled with ease. My husband and I are supper excited. All thanks to CYBER CREDIT GURU a trusted and reliable hacking specialist, they made it possible by removing all derogatory, hard injuries, evictions, late payments from my husband’s credit report and also increased his credit score from 501 to 802, and are currently working on mine. I can’t stop appreciating you guys. I strongly recommend them to anyone looking for a professional hacker, these guys are good. Here is their contact: CYBERCREDITGURU AT GMAIL DOT COM or +1 (650) 239 7249.
GOOD DAY
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HELLO
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7/5/2021 3:39 PM Benjamin D. from florida, AK
HELLO
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testimony
6/28/2021 12:58 PM Loreta E. from portland, CA
DR ISIKOLO is simply the best spell caster and helper. My name is Loreta Emilio, Out of respect for you and your spells I must make this testimony know to all. I've been to other spell casters without seeing any result. I just wished I came to you earlier, i got the best from you. My ex husband was gone for a year and I went everywhere and other spell casters for help but no result until my friend introduce me to Dr Isikolo After the Love Spell was done and in 48 hours as he promised, I finally got a calls from him. His spells worked wonders and my husband is back with full of love. It's a miracle! He suddenly came back with flowers saying that i should forgive him, i was truly flabbergasted and shocked when my husband kneel down begging for forgiveness and for me to accept him back. I'm really short of words and joyful, And now i am a joyful woman once again. Thank you so much Dr Isikolo. To everyone who is looking for a real spell caster should contact DR ISIKOLO On his website: https://isikololovetemple.com or email: isikolosolutionhome@gmail.com You can also WhatsApp him on +1(725)240-4536
Funds Recovery
6/11/2021 9:28 PM Karren F. from California, LA
Always be mindful of who you give out your trading account details and passkey to, in the name of account management.
Many of these account managers uses these means to manipulate traders account and take away there money without traders being notified.
If you feel like your account has been manipulated and your money got missing, or you're new into investments and trading, you can contact me for assistance and guidelines to get back in full control of your trading account.
Contact karrenfuller76@gmail.com
ONTACT HIM NOW FOR SOLUTION TO ALL YOUR PROBLEMS
4/7/2021 6:25 AM an anonymous user.
After being in relationship with Wilson for seven years,he broke up with me, I did everything possible to bring him back but all was in vain, I wanted him back so much because of the love I have for him, I begged him with everything, I made promises but he refused. I explained my problem to someone online and she suggested that I should contact a spell caster that could help me cast a spell to bring him back but I am the type that don’t believed in spell, I had no choice than to try it, I meant a spell caster called Dr Zuma zuk and I email him, and he told me there was no problem that everything will be okay before three days, that my ex will return to me before three days, he cast the spell and surprisingly in the second day, it was around 4pm. My ex called me, I was so surprised, I answered the call and all he said was that he was so sorry for everything that happened, that he wanted me to return to him, that he loves me so much. I was so happy and went to him, that was how we started living together happily again. Since then, I have made promise that anybody I know that have a relationship problem, I would be of help to such person by referring him or her to the only real and powerful spell caster who helped me with my own problem and who is different from all the fake ones out there. Anybody could need the help of the spell caster, his email: spiritualherbalisthealing@gmail.com or WhatsApp him +15068001647
you can email him if you need his assistance in your relationship or anything. CONTACT HIM NOW FOR SOLUTION TO ALL YOUR PROBLEMS
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5/18/2020 9:06 PM Stewart E. from Boston, NY
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