Personal Finance Daily: Refinancing near retirement can be a good move

	Personal Finance Daily DECEMBER 10, 2012 Monday's Personal Finance Stories By MarketWatch Don't miss these top stories: Refinancing near retirement can be smart 10 things real-estate listing sites won't say How a neighbor stole your identity College tuition, priced like a cellphone plan For many pre-retirees, a major goal is to reduce their debts before their last day of work. Still, some should consider pouncing on today's low mortgage rates to refinance — using the increase in monthly cash flow to contribute to investment vehicles. Read what to consider before attempting this strategy in today's Home Economics column. Also, see the 10 things that real-estate listing sites won't tell you, find out how your neighbor could steal your identity and check out how some for-profit colleges now offer pay-as-you-go pricing. —Amy Hoak , assistant editor Refinancing near retirement can be smart Tempting low interest rates continue to make headlines, making refinancing your mortgage look attractive. But when retirement isn't far off, the decision to refinance can get more complicated. Refinancing near retirement can be smart. 10 things real-estate listing sites won't say Home buyer, beware: The virtual marketplace is rife with errors that can derail sales. 10 things real-estate listing sites won't say. How a neighbor stole your identity Many of the more than 10,000 identity-fraud rings in the U.S. are neighbors, couples and in some cases entire families. How a neighbor stole your identity. The $4.2 million Christmas tree Solid gold and guaranteed to upstage any presents placed under it. The $4.2 million Christmas tree. 10 things Santa won't tell you His hearty "ho-ho-ho" might scare the children and ruin your budget. 10 things Santa won't tell you. College tuition, priced like a cellphone plan Some for-profit schools now offer cheap, pay-as-you-go pricing. College tuition, priced like a cellphone plan. ECONOMY AND POLITICS Obama-Boehner talks don't cheer analysts News that President Barack Obama and House Speaker John Boehner met privately at the White House on Sunday does not alter pessimism surrounding the fiscal-cliff talks. Obama-Boehner talks don't cheer analysts. Fed to do what it can to ease cliff uncertainty The Federal Reserve will announce a fresh round of $45 billion in asset purchases to keep policy steady in the uncertainty over fiscal policy. Fed to do what it can to ease cliff uncertainty. China's exports, trade surplus disappoint China's export growth tapers off in November after witnessing a spike in the previous two months, reigniting concerns about the impact of sluggish demand in the West for the country's goods and services. China's exports, trade surplus disappoint. Monti's departure dashes hopes for deus ex machina The departure of technocrat Mario Monti as Italian prime minister dashes hopes of the bond market for a deus ex machina that could solve the euro's problems painlessly, writes David Marsh. Monti's departure dashes hopes for deus ex machina. INVESTING Top 10 tech trends to watch in 2013 The technology industry has been going through major changes that became even more pronounced in 2012. Events and trends this year have set the stage for potentially significant shifts in 2013. MarketWatch looks at 10 tech industry trends to watch and questions to ask in the coming year. Top 10 tech trends to watch in 2013. Canada opens a pipeline to China Cnooc-Nexen deal approved by Ottawa as trade benefits trump national security concerns. Canada opens a pipeline to China. The fiscal cliff's long-term consequences This short-run "fiscal cliff" pales in significance compared with our long-term growth prospects under current conditions. If our irresponsible fiscal and monetary policies erode the U.S. dollar's value and its standing in international markets, interest rates will rise and compound our debt, writes Barry Poulson. The fiscal cliff's long-term consequences. China moves to curb shady stock listings Chinese listings might need a health warning — specifically a warning for accountants and banker sponsors, who now face much stiffer penalties if fraudulent companies are allowed to list under their watch, writes Craig Stephen China moves to curb shady stock listings. Recent stumbles aside, 2 tech stocks to buy When discussing the giants of the tech sector, outside of Apple Inc. (AAPL), many are viewed as being past their prime. However, I think two of them may have left their problems behind on the way to a longer-term payoff for investors. Recent stumbles aside, 2 tech stocks to buy. Sex sells, and other retail myths Holiday-season 2012 will provide no saving grace to a retail industry — and weak individual players — in trouble. Sex sells, and other retail myths. Get the latest news on our mobile site: http://www.marketwatch.com/m MarketWatch has sent you this newsletter because you signed up to receive it. To ensure you receive this newsletter in the future, please add marketwatchmail.com to your list of approved senders. Sent to: kumaresan.selva.blogger@gmail.com Unsubscribe | Subscribe Copyright 2012 MarketWatch, Inc. All rights reserved. MarketWatch, the MarketWatch logo, and BigCharts are registered trademarks of MarketWatch, Inc. By using this site, you agree to the Terms of Service and Privacy Policy (updated 6/26/07). 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