Category: Montana Mortgages


today in history | national news


Today in history

Today is Sunday, September 19, the 262nd day of 2021. There are 103 days left in the year.

The highlight of today’s history:

On September 19, 1796, President George Washington’s farewell speech was published. In it, the first US chief executive advised: “Observe good faith and justice to all nations. Cultivate peace and harmony with all.

To this date :

In 1777, the first battle of Saratoga took place during the War of Independence; although British forces succeeded in driving out American troops, the Americans won a second battle the following month.

In 1881, the 20th President of the United States, James A. Garfield, died two and a half months after being shot by Charles Guiteau; Chester Alan Arthur became president.

In 1945, Nazi radio propagandist William Joyce, known as “Lord Haw-Haw”, was convicted of treason and sentenced to death by a British court.

In 1957, the United States conducted its first contained underground nuclear test, named “Rainier”, in the Nevada desert.

In 1984, Britain and China reached a draft agreement on the transfer of Hong Kong from British rule to Chinese rule by 1997.

In 1985, the Mexico City area was struck by a devastating earthquake that killed at least 9,500 people.

In 1986, federal health officials announced that the investigational drug AZT would be made available to thousands of AIDS patients.

In 1995, the New York Times and the Washington Post published Unabomber Ted Kaczynski’s (kah-ZIHN’-skee) manifesto, which was found to be instrumental in identifying and capturing him.

In 1996, IBM announced that it would extend health benefits to the partners of its gay employees.

In 2001, the Pentagon ordered dozens of advanced planes in the Persian Gulf region as the time for military retaliation against the deadly 9/11 terrorist attacks drew near.

In 2004, Hu Jintao (hoo jin-tow) became the undisputed leader of China with the departure of former President Jiang Zemin (jahng zuh-MEEN ‘) from his highest military post.

In 2008, struggling to avert financial catastrophe, the Bush administration presented a sweeping bailout calling for a takeover of half a trillion dollars or more of worthless mortgages and other bad debt held by shaky institutions. Relieved investors drove stocks up on Wall Street and around the world.

Ten years ago: In a speech at the White House, a combative president, Barack Obama, demanded that the richest Americans pay higher taxes to help reduce by more than $ 3 trillion the growing deficits of the United States. Mariano Rivera set a major league record with his 602nd save, ending the New York Yankees 6-4 victory over the Minnesota Twins. Dolores Hope, who was married to Bob Hope for 69 years and sometimes sang on her shows for American troops and on her television specials, has died in Los Angeles at the age of 102.

Five years ago: President Barack Obama and Iraqi Prime Minister Haider al-Abadi (HY’-dahr ahl ah-BAH’-dee), meeting on the sidelines of a United Nations summit, warned the Islamic State group that they planned to take back the city of Mosul within a few months. World leaders gathered at the United Nations endorsed a declaration aimed at providing a more coordinated and humane response to the refugee crisis, which was straining resources and fueling divisions around the world. Angelina Jolie Pitt has filed for divorce from Brad Pitt, citing irreconcilable differences.

A year ago: President Donald Trump urged the Republican-led Senate to consider his next appointment “without delay” to fill the vacant Supreme Court post created by the death of Justice Ruth Bader Ginsburg in just six weeks before the elections. A law enforcement official said authorities intercepted an envelope addressed to the White House that contained the castor poison. (A Canadian woman was later arrested while attempting to enter the United States near Buffalo, New York, and charged with uttering threats against President Donald Trump while sending the package; she pleaded not guilty. Demonstrators have taken to the streets of London, Tel Aviv and other cities to protest restrictions on coronaviruses, even with infection rates on the rise in many places and the global death toll approaching million.

Today’s Birthdays: Author Roger Angell is 101 years old. Actress Rosemary Harris is 94 years old. Actor David McCallum is 88 years old. Singer-songwriter Paul Williams is 81 years old. Singer Bill Medley is 81 years old. Singer Sylvia Tyson (Ian and Sylvia) is 81 years old. R&B singer Freda Payne is 79 years old. Retired professional golfer Jane Blalock is 76 years old. Singer David Bromberg is 76 years old. Actor Randolph Mantooth is 76 years old. Singer and rock musician Lol Creme (10cc) is 74 years old. Former NFL running back Larry Brown is 74. Actor Jeremy Irons is 73 years old. Actor Twiggy Lawson is 72 years old. TV personality Joan Lunden is 71 years old. Singer-producer Daniel Lanois (lan-WAH ‘) is 70 years old. Actor Scott Colomby is 69 years old. Musician-producer Nile Rodgers is 69 years old. Singer-actor Rex Smith is 66 years old. Rock singer Lita Ford is 63 years old. Actor Kevin Hooks is 63 years old. Actress Carolyn McCormick is 62. Celebrity chef Mario Batali is 61 years old. Actor-comedian Cheri Oteri is 59 years old. Country singer Jeff Bates is 58 years old. Country singer Trisha Yearwood is 57 years old. O’Brien is 55 years old. Celebrity chef Michael Symon is 52 years old. Actor Victor Williams is 51 years old. Sanaa Lathan (suh-NAH ‘LAY’-thun) is 50 years old. Actor Stephanie J. Block is 49 years old. Rock singer A. Jay Popoff (Lit) is 48 years old. “Tonight Show” host Jimmy Fallon is 47 years old. TV personality Carter Oosterhouse is 45. TV host Alison Sweeney is 45 years old. Folk-rock singer-musicians Sara and Tegan (TEE’-gan) Quin are 41 years old. Actor Columbus Short is 39 years old. Rapper Eamon is 38 years old. Actor Kevin Zegers is 37 years old. Actress Danielle Panabaker is 34 years old. Actress Katrina Bowden is 33 years old.

Copyright 2021 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed without permission.


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Today’s mortgages, refinancing rate: September 17, 2021


All mortgage and refinance rates are low today, so it might be a good day to lock in a low rate.

We show the national average mortgage rates. Your exact rate will depend on where you live, so take a look at our state-by-state guide below.

Your mortgage rate will also depend on your finances and the type of mortgage you get. But overall, mortgage rates are at historically low levels.

Current mortgage rates

Money.com conventional rates; RedVentures government guaranteed rates.

Current refinancing rates

Money.com conventional rates; RedVentures government guaranteed rates.

Mortgage and refinancing rates by state

Check out the latest rates for your state at the links below.

Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
new York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
Caroline from the south
South Dakota
Tennessee
Utah
Vermont
Virginia
Washington
Washington DC
West Virginia
Wisconsin
Wyoming

How are mortgage rates determined?

Mortgage rates are largely determined by the economy. Rates are higher when the US economy is booming and lower when it is struggling.

Employment and inflation are the two main economic factors influencing mortgage rates. When the number of jobs and inflation increase, mortgage rates tend to follow.

However, you have some power over your mortgage rate. Here are the factors you can control:

  • Credit score. The higher your credit rating, the lower your mortgage rate should be. To improve your score, focus on paying all of your bills on time and paying off your debts.
  • Debt-to-income ratio. Your DTI ratio is the amount you pay for your debts each month divided by your gross monthly income. The lower your DTI ratio, the better. The minimum DTI ratio depends on the lender and the type of mortgage you get, but it typically ranges from 36% to 50%. If your ratio is still below the lender’s minimum, you might get a better interest rate.
  • Advance payment. Depending on the type of mortgage you get, you may need 0% to 20% for a down payment. If you can place more than the minimum down payment, you will likely get a lower rate.
  • Type of mortgage. Compliant mortgage rates (which you probably call “regular mortgages”) are already low right now. You will pay less on a mortgage loan guaranteed by the government through the FHA, VA or USDA. You will pay a higher rate on a jumbo mortgage.
  • Duration of the mortgage. The shorter the term of your mortgage, the lower your rate will be. For example, you will pay less on a 15-year term than on a 30-year term. Keep in mind that your monthly payments will be higher in the shorter term, however.

When to lock in a mortgage rate

It’s usually a good idea to lock in your mortgage rate when you’re ready to start shopping for a home.

To lock in your rate, apply for pre-approval from a lender. After you receive your pre-approval letter, your rate is typically blocked for 60-90 days.

It helps to get a pre-approval letter before you bid on a home. Showing the seller a pre-approval letter indicates that you are a competitive buyer who is in good financial health, and it could give your application a leg up on other offers.


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Amber alert issued for missing teenager


Roosevelt County Sheriff’s Office issues Amber Alert for Dana Lee Johnston.

Johnston is a 15-year-old Native American. She is 5 feet 6 inches, 130 pounds, with brown hair and brown eyes. Johnston was last seen wearing a white striped shirt and blue jeans.

She was assaulted last night by two unidentified women before Cheri Granbois dragged her into a black double cab van with a toolbox in the back. Montana plate CEY619.

If you have any information about Dana Johnston or Cheri Granbois, contact the Roosevelt County Sheriff’s Office at (406) 653-6240 or call 911.

Discover 20 Ways America Has Changed Since September 11

For those of us who lived through September 11, the events of the day will forever be etched in our minds, a terrible tragedy that we cannot forget and that we do not want to forget. Now, two decades later, Stacker looks back on the events of 9/11 and many ways the world has changed since then. Using information from news reports, government sources, and research centers, this is a list of 20 aspects of American life that have been forever changed by the events of that day. From language and air travel to our handling of immigration and foreign policy, read on to see how life in the United States was affected by 9/11.

LOOK: What important laws were passed in the year you were born?

The data in this list was acquired from reliable online sources and media. Read on to find out which major law was passed in the year you were born, and learn its name, vote count (if any), impact, and meaning.


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Digital mortgage fences could be legal in all 50 states by 2022, expert says


With the SECURE Notarization Act gaining traction, digital mortgage fences could be legal nationwide by 2022. (iStock)

Digital mortgage fences – also known as eClosings – have been accelerated by the need for homebuyers and mortgage lenders to stay socially distant amid the coronavirus pandemic. Taking out your home loan without having to be physically present when signing documents has certainly gained popularity – where the ability to do so is legal. But some experts believe electronic shutdowns could be legalized in all 50 states by 2022, as this process and remote online notarizations (RONs) gain in popularity.

An eClosing is the process by which a buyer or owner refinances or closes their loan electronically, rather than signing paper documents. Thanks to this remote notarization, consumers can connect online with a notary public and perform the notarial deed from anywhere with a computer, tablet or any device with a camera and audio. Notaries give their notary seal after collecting an electronic signature and proof of identity through various authentication methods such as photo ID, identification questions or other proof of identity.

Currently, RON is legal in 38 US states. However, the bipartisan Securing and Enabling Commerce Using Remote and Electronic Notarization Act, 2021 (SECURE), HR 3962 may soon change that. Some experts believe that the bill for all transactions to be carried out using remote online notaries could go up as early as this year, or in 2022.

“There is still broad bipartisan support in Congress for the SECURE Notarization Act, and we continue to educate policymakers, alongside a broad coalition of partners, on the importance of expanding access to notarization in remote line nationwide with strict standards for use by all consumers, ”said Chris Morton, senior vice president of public affairs for the American Land Title Association (ALTA). “We continue to seek all available opportunities to move this legislation forward towards its enactment in this Congress and hope that its movement.

“The current requirements for a signatory to be physically in the presence of a notary are often impractical and sometimes impossible due to social distancing constraints resulting from COVID-19, as well as other obstacles, including military service or business travel, ”Morton said.

Advances in digital mortgage technology, including electronic notarizations, have made it easier to manage mortgages and refinance options without ever having to leave your home. If you are interested in a mortgage loan or a loan refinancing in progress, please seeisit Credible to start the online application and get pre-approval for multiple lenders without affecting your credit score.

ONLINE MORTGAGE CLOSING COULD SOON BECOME LEGAL THROUGH US: WHAT YOU NEED TO KNOW

National acceptance of RON

House officials are also adding changes to the National Defense Authorization Act, which would allow military personnel to use RON to sign their mortgage when away from home. If the SECURE law is passed next year, it will spur a movement for the SECURE law to allow all U.S. consumers to use RON, according to Bill Killmer, senior vice president of the Mortgage Bankers Association for business. legislative and political.

“It’s a little different route than real estate law has to take, given the different jurisdictions of the committees, the diversity of characters and actors, but there are several paths here,” Killmer said. “I think a discussion about this at the end of 2021 will create momentum for a potential discussion in 2022 if we fail to cross the finish line.”

If you want to take out mortgage refinancing to save money on your interest rate, visit Credible to choose the best lender that matches your needs. Many mortgage lenders already offer the RON option, and you could reduce your interest without having to leave your home.

BEST US MORTGAGE LENDER SAYS INTEREST RATES WILL RISE AS JOBS INCREASE

RON is growing

RON has grown in popularity over the past few years; it increased by 547% from 2019 to 2020, according to an ALTA survey of the main suppliers working in the RON space.

“Our champions in Congress, Senators Cramer (R-ND) and Warner (D-VA), as well as Representatives Dean (D-PA) and Armstrong (R-ND), are working tirelessly to pass the SECURE Notarization Act. “says Morton. “Our broad coalition of securities, real estate, lenders and tech companies are working to step up our cosponsors and supporters to help in this effort. At the same time, states have increased their efforts to align. on this Congressional effort. It is clear that there is a need and a demand for this approach across the country. “

States that have currently legalized RON understand: Alaska, Arizona, Arkansas, Colorado, Florida, Hawaii, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Missouri, Montana, Nebraska, Nevada, New Mexico, North Dakota, Ohio, Oklahoma , Pennsylvania, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin and Wyoming.

Various versions of the RON bill have already been presented to Congress, but not all have been passed. The previous setback by various states raised concerns that the RON legislation provided too much of a cap on the legislation. The new law, Killmer explained, is more of a starting point that individual states can build on.

“The bill as previously drafted was a bit too capped and prevented states from having the flexibility or freedom to design things that were unique to their needs or particular situations in individual states.” , he explained. “This bill sets a floor, so it sets minimum standards that complement existing state laws, as opposed to any perception they preempted them.”

RON law is gaining ground in Congress as lobbyists rally bipartisan support. It is also gaining popularity with consumers as digital mortgage progresses. Refinancing while mortgage rates stay below 3% could help borrowers save hundreds on their monthly mortgage payment, and it could now be more accessible than ever with an eClosing. Contact Credible to speak to a mortgage expert and get all of your questions answered.

AOC URGES BIDEN TO APPOINT NEW FED PRESIDENT – WHAT THAT MEANED FOR INTEREST RATES

Have a finance-related question, but don’t know who to ask? Email the Credible Money Expert at [email protected] and your question could be answered by Credible in our Money Expert column.


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US Treasury suspends changes to Fannie Mae and Freddie Mac stock deals


By Pete Schroeder

WASHINGTON (Reuters) – The U.S. Treasury Department said on Tuesday it had suspended changes to government ownership in housing giants Fannie Mae and Freddie Mac imposed in the dying days of the Trump administration.

These changes aim to lift restrictions on the ability of agencies to secure certain types of mortgages, including on second homes, multi-family homes, and homes purchased with higher risk loans, after the Trump administration ordered the pair to reduce their footprint on the housing market.

The Federal Housing Finance Agency, which regulates the pair, is reviewing these changes and consulting the Treasury on other possible changes.

The suspension effectively freezes the changes put in place in the final days of the Trump administration. Then-Treasury Secretary Steven Mnuchin had attempted to craft a plan for Fannie and Freddie’s exit from government control.

In January 2020, the Treasury Department announced that it had changed its stake in the pair, including allowing them to keep their profits in exchange for a larger government stake in companies.

However, housing advocates feared this would undermine the core business mission of making housing more affordable.

The pair, which guarantees more than half of all US mortgages, have been under government control since a 2008 bailout. Under the bailout deal, the government wiped out quarterly corporate profits.

The FHFA said on Tuesday that companies would still be allowed to raise capital while the suspended policies were under review.

This decision was quickly greeted by Democrats. Senate Banking Chairman Sherrod Brown said previous changes were “hit and miss” and welcomed the suspension to ensure “that we do not unintentionally restrict access to safe and affordable housing for landlords and tenants” .

However, Senator Pat Toomey, the leading Republican on the banking panel, warned that the changes could risk “overheating an already hot market.”

As part of the Trump administration’s plan, Fannie and Freddie could have retained their profits and rationalized their operations in an effort to slowly rebuild their capital cushions, which could eventually lead to an exit from government control. However, even this plan predicted that it would take years and still left many legal and political questions unresolved.

(Reporting by Pete Schroeder; Editing by Leslie Adler and Richard Chang)


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Are you following these five important financial tips?


If we’ve learned anything from the pandemic, it’s that life is unpredictable and its unexpected twists and turns can dramatically affect our finances. The key is to stay focused on changing trends and use them to your advantage. Experts suggest these tips to make today’s financial landscape work for you.

1. Make a plan to pay off your credit card debt.

Many Americans were forced to take on more credit card debt during the pandemic because they were working fewer hours, had been placed on leave, or were made redundant.


While many physicians did not appear to be financially affected by the pandemic, a good number experienced temporary financial setbacks, as seen in the Medscape 2021 Physician Compensation Report and the Medscape Physician Wealth and Debt Report 2021.

An article in Business intern advises you to create a timeline to pay off the debt you racked up during COVID-19 – or any other credit card debt, for that matter.

Start by figuring out where your money was spent in 2020, or even the past few months, so you can focus on where to cut costs. Then set up a budget using an app like Mint or some other type of budgeting software to help you categorize your spending.

The app will help you stay within your budget limits. Of course, you need to figure out what expenses you can cut back in order to use that extra money to pay off the debt. Once you’ve done that, make a debt repayment plan. One approach (sometimes referred to as the “snowball method”) is to pay off the smaller debt first, then transfer that payment to the next larger debt and in this way you work your way up to debt. the highest.

The other is a more “top-down” approach (sometimes referred to as the “avalanche method”). With this method, you first target the debts that have the highest interest rates, and then use the money freed up to pay off subsequent debts. Pick a strategy that’s right for you and stick to your debt repayment plan.

If you’re having trouble sticking to your debt repayment plan, consider consolidating your debt on a credit card with balance transfer or a personal loan. This will allow you to have all of your debts in one place with a lower interest rate and just one monthly payment.

If you’re having trouble making payments on time or meeting the minimum payment, another option is to call your credit card provider. Many companies will work with you to give you more flexibility on payments as well as lower interest rates.

It may also be helpful to see a financial advisor, who can help you pay off your debts.

2. Invest wisely in real estate … location, location, location.

Investing in real estate is traditionally seen as an “accessible and reliable way to create passive income and prepare for unexpected changes in the economy“.

But not all real estate is created the same, and the property that was supposed to write off your bank account shouldn’t drain it. So you want to look for properties with increasing appreciation rates.

An article published on Yahoo finance (and which originally appeared on Insider Monkey.com) lists the top 15 states to invest in real estate in 2021, with real estate appreciation as the “key indicator.” The appreciation rates take into account mortgage rates as well as data on the cost of living, which gives an indication of the interest that potential buyers or tenants would be in living in these areas.

The article lists the 15 most lucrative states. Idaho is number 1, with total real estate appreciation over the past 2 years of 28.49%. Arizona is number 2, with an appreciation rate of 20.43%, followed by Utah, Maine, Montana, New Hampshire, Washington, Rhode Island, Tennessee, Oregon, from Ohio, Indiana, Connecticut, South Dakota and California.

3. Stock market volatility is not necessarily a bad thing.

After a long streak of consecutive wins, the stock market experienced a sudden slowdown last year, driven by fears that a slight increase in COVID-19 cases could hurt the global economic recovery.

Experts offer advice not only to overcome market volatility, but even to use it to your advantage. They point out that the relativity of the market is an integral part of the investment process and that it is in fact the best way to beat inflation. Rises and falls in the market are opportunities to review your asset allocation. If you’re worried about a sharp drop, you can turn part of your portfolio into safer stocks. This way you are protected against a possible market correction, which is defined as a drop of more than 10%.

A decline is not a good time to sell stocks, because selling when the market is falling means that you will miss out on the benefits of the rebound when the going gets better. In fact, perhaps counterintuitively, the downturn is a good time to buy more stocks, paving the way for future gains, as stocks are likely to be traded at a discount.

During a market crash, you can protect yourself against the need to increase your income or replenish your losses by always having an emergency fund. Experts say it’s better to spend the money in your emergency fund than to sell assets at a loss.

4. Take advantage of lower mortgage rates.

Now might be a good time to finance a home, as both 15 and 30-year fixed mortgage rates have come down. The average rate for a 30-year fixed rate mortgage (the most frequently used loan term) is 3.03%. A 15 year fixed rate mortgage is 2.38%. Both are reasonable options, but the 30-year mortgage usually has a lower monthly payment than the 15-year, although it often has a higher interest rate.

But despite the higher interest, it’s still a good option if you want to keep your monthly payment low. On the other hand, if you can afford the monthly payments, you’ll end up paying less in the long run for a 15-year loan because the interest is usually lower and you’ll finish paying it off in half the time. .

While many people prefer fixed mortgage rates, 5/1 variable rate mortgages may be an option to consider, especially if you plan to sell or refinance your home before the rate changes. The average rate has also gone down recently, and you could also end up paying less interest than you would for a 30-year fixed rate mortgage. But keep in mind that depending on loan terms and market rates, you might end up paying more interest after this period.

Before you rush to take advantage of these lower rates, take a step back, think about your personal needs and financial situation, and be sure to do your homework and compare different lenders to find the one that’s right for you.

5. Maximize your contributions to the IRA.

There are all kinds of benefits to opening and IRA and maximizing your contributions to an existing IRA if you have one. With a traditional IRA, you can get immediate tax deduction or deferred income, with the expectation that your bracket will be lower in the future, according to an article in Kiplinger Finance. This could be useful if you plan to retire soon or if you think your income will be lower in the years to come.

However, the downside is that you will eventually have to pay taxes on this type of IRA; and if you withdraw the money before the age of 59 and a half, you will pay a heavy penalty (10%). You must also receive minimum distributions after age 72.

An alternative is a Roth IRA, which you contribute to after paying taxes. The good news is that you can withdraw cash without paying any additional taxes or penalties once you’ve owned it for 5 years and are over 59 and a half. In addition, no minimum distribution is required.

Currently, the maximum amount that can be contributed to the IRA or both IRAs combined in 2021 is $ 6,000, which has been the case for 2 years. However, if you are 50 or older, you can add an additional $ 1,000, bringing the maximum contribution to $ 7,000.

Batya Swift Yasgur MA, LSW, is a freelance writer with a consulting practice in Teaneck, NJ. She is a regular contributor to numerous medical publications, including Medscape and WebMD, and is the author of several consumer-focused health books as well as Behind the Burqa: Our Lives in Afghanistan and How We Escaped to Freedom (memoirs of two brave Afghan sisters who told her their story).

For more news, follow Medscape on Facebook, Twitter, Instagram and YouTube.



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‘Montana Story’ is a beautiful exploration of childhood trauma and reconciliation


Cal (Owen Teague) returns home to care for his dying father who is on life support in the living room of the quaint house he grew up in. Montana history doesn’t romanticize Montana or the situation too much like most movies that take place there. Cal takes the burden on his own and goes straight to work to put his father’s affairs in order: tackling bankruptcy and expired mortgages, selling his late mother’s vehicle to cover what Medicaid does not pay. for home care and handling the sale of the ranch

Montana history is a beautiful exploration of childhood trauma and reconciliation

As Cal plans to take down the only twenty-five-year-old stallion left at the ranch, his half-sister Erin (Haley Lu Richardson) shows up unexpectedly. The siblings haven’t spoken to each other for seven years, not since their father nearly beat her to death for speaking out against him in their high school newspaper. Cal feels conflicted because, for him, Erin abandoned him, but Erin left because Cal had stood idly by while their father beat her and killed his horse.

When you think back to all of the previous work depicting adult children coming home to care for a sick or dying parent, you probably imagine actors in their mid-30s through late 40s. Of course, there are movies that feature the younger brother in their twenties, but movies that focus only on the twenties who are struggling with this situation are rare. Montana history has a marked millennial element that makes it a refreshing addition to this genre of niche movies.

(left to right) Owen Teague and Haley Lu Richardson | Courtesy of TIFF

Montana history is chock-full of gorgeous panoramic cinematography that captures the beauty and magnificence of the state, but it also captures a distinctive sense of isolation that helps underline that sense of rudimentary emotion that is evoked by Cal and Erin’s situation. Teague and Richardson are spectacular on screen together as they pull such rich emotions from each other as they seek a way to come to terms with their childhood and move forward in a tenuous situation. .

While Cal and Erin’s story is the focal point of the film, there are subtle nods and allusions to larger issues at play in Montana. The incident between Erin and her father was sparked by her covering up a toxic mess at a local mine and the radio in Cal’s car talks about the Dakota Access pipeline. Considering their father’s involvement in extracting natural resources from indigenous lands, I wondered why their housekeeper and family friend Valentina (Kimberly Guerrero) and her son Joey (Asivak Koostachin) stayed true to the family. But maybe that answer is in the flashing comment and you miss the local grocery store cutting their hours. When jobs are scarce in Montana in the middle of nowhere, sometimes you have to make tough decisions about who you work for.

Montana history was my first introduction to the writer-director duo of Scott McGehee and David Siegel and it inspired me to research their other films. They have a real talent for capturing visceral human emotions and exploring them through silent means. There is nothing gaudy or overworked about the script, which focuses on stripped-down and stripped-down emotions, and the directing captures a very realistic slice-of-life portrayal that allows the film to truly connect with the audience. .

Montana history premiered this week at the Toronto International Film Festival. A release date has not yet been announced.

Discover our full coverage of the Toronto International Film Festival.

Montana history

Montana history

Montana Story is a beautiful exploration of childhood trauma and reconciliation


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Editor-in-chief of Entertainment

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Maggie Lovitt is the Entertainment Editor-in-Chief at Your Money Geek, where she covers her favorite topics: Star wars and pop culture nerd. She is also a freelance writer and contributor to Collider and Dorkside of the Force.

When she’s not covering entertainment news, she can be found on one of her many podcasts or on her YouTube channel. In her spare time, she is also a novelist, screenwriter, actress and member of the Screen Actors Guild.



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Today’s mortgage, refinancing rate: September 12, 2021


Mortgage and refinance rates are generally low today, so this could be a good day to lock in a low rate.

We show the national average mortgage rates. Your exact rate will depend on where you live, so take a look at our state-by-state guide below.

Your mortgage rate will also depend on your finances and the type of mortgage you get. But overall, mortgage rates are at historically low levels.

Current mortgage rates

Money.com conventional rates; RedVentures government guaranteed rates.

Current refinancing rates

Money.com conventional rates; RedVentures government guaranteed rates.

Mortgage and refinancing rates by state

Check out the latest rates for your state at the links below.

Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
new York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
Caroline from the south
South Dakota
Tennessee
Utah
Vermont
Virginia
Washington
Washington DC
West Virginia
Wisconsin
Wyoming

How are mortgage rates determined?

Mortgage rates are largely determined by the economy. Rates are higher when the US economy is booming and lower when it is struggling.

Employment and inflation are the two main economic factors influencing mortgage rates. When the number of jobs and inflation increase, mortgage rates tend to follow.

However, you have some power over your mortgage rate. Here are the factors you can control:

  • Credit score. The higher your credit rating, the lower your mortgage rate should be. To improve your score, focus on paying all of your bills on time and paying off your debts.
  • Debt-to-income ratio. Your DTI ratio is the amount you pay for your debts each month divided by your gross monthly income. The lower your DTI ratio, the better. The minimum DTI ratio depends on the lender and the type of mortgage you get, but it typically ranges from 36% to 50%. If your ratio is still below the lender’s minimum, you might get a better interest rate.
  • Advance payment. Depending on the type of mortgage you get, you may need 0% to 20% for a down payment. If you can place more than the minimum down payment, you will likely get a lower rate.
  • Type of mortgage. Compliant mortgage rates (which you probably call “regular mortgages”) are already low right now. You will pay less on a mortgage loan guaranteed by the government through the FHA, VA or USDA. You will pay a higher rate on a jumbo mortgage.
  • Duration of the mortgage. The shorter the term of your mortgage, the lower your rate will be. For example, you will pay less on a 15-year term than on a 30-year term. Keep in mind that your monthly payments will be higher in the shorter term, however.

When to lock in a mortgage rate

It’s usually a good idea to lock in your mortgage rate when you’re ready to start shopping for a home.

To lock in your rate, apply for pre-approval from a lender. After you receive your pre-approval letter, your rate is typically blocked for 60-90 days.

It helps to get a pre-approval letter before you bid on a home. Showing the seller a pre-approval letter indicates that you are a competitive buyer who is in good financial health, and it could give your application a leg up on other offers.


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Gianforte opposes Biden’s ‘non-American’ Vax mandate


Montana Gov. Greg Gianforte (R-MT) opposes Biden’s “non-US” federal mandate, while South Dakota Gov. Kristi Noem (R-SD) says his legal team is “in waiting”.

President Joe Biden on Thursday ordered companies with 100 or more employees across the country to vaccinate or test their employees weekly, according to Fox News.

Governor Gianforte offered this response via social media:

President Biden’s vaccination mandate is illegal and anti-American. We are committed to protecting the freedoms and freedoms of Montanais against this flagrant excess of the federal government.

An hour earlier, Governor SD Noem issued this warning to Biden:

My legal team is ready to file our complaint down to the minute @Joe biden deposits its unconstitutional rule. This blatant example of federal intrusion will not hold up.

Our friend John Jackson also intervened via Twitter. He nailed it with this reference to House Bill 702 which was already enacted in Montana by the governor:

Everyone in Montana, you are automatically exempt from Biden’s BS vax warrants. Montana law (HB 702) prohibits discrimination based on vaccination status. Make sure any wobbly employer understands this.

For those who missed my post in early August, I spoke with Rep. Jennifer Carlson (R-Manhattan) about her legislation.

What if my employer forces me to be vaccinated against COVID-19?

Representative Carlson had very simple answers. First, she says to just talk to your employer. Let them know that requiring the vaccine from their employees is against state law. What if it doesn’t work? Do you call a lawyer and take legal action? Before going so far as to file a lawsuit, she says the Montanans can simply file a complaint with the Montana Human Rights Office.

Read more: Here’s How You Can Fight A Mandatory Vaccine In Montana

LOOK: What important laws were passed in the year you were born?

The data in this list was acquired from reliable online sources and media. Read on to find out which major law was passed in the year you were born, and learn its name, vote count (if any), impact, and meaning.



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Today’s mortgage, refinancing rate: September 6, 2021


Mortgage and refinance rates are generally low today, so this could be a good day to lock in a low rate.

We show the national average mortgage rates. Your exact rate will depend on where you live, so take a look at our state-by-state guide below.

Your mortgage rate will also depend on your finances and the type of mortgage you get. But overall, mortgage rates are at historically low levels.

Current mortgage rates

Money.com conventional rates; RedVentures government guaranteed rates.

Current refinancing rates

Money.com conventional rates; RedVentures government guaranteed rates.

Mortgage and refinancing rates by state

Check out the latest rates for your state at the links below.

Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
new York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
Caroline from the south
South Dakota
Tennessee
Utah
Vermont
Virginia
Washington
Washington DC
West Virginia
Wisconsin
Wyoming

How are mortgage rates determined?

Mortgage rates are largely determined by the economy. Rates are higher when the US economy is booming and lower when it is struggling.

Employment and inflation are the two main economic factors influencing mortgage rates. When the number of jobs and inflation increase, mortgage rates tend to follow.

However, you have some power over your mortgage rate. Here are the factors you can control:

  • Credit score. The higher your credit rating, the lower your mortgage rate should be. To improve your score, focus on paying all of your bills on time and paying off your debts.
  • Debt-to-income ratio. Your DTI ratio is the amount you pay for your debts each month divided by your gross monthly income. The lower your DTI ratio, the better. The minimum DTI ratio depends on the lender and the type of mortgage you get, but it typically ranges from 36% to 50%. If your ratio is still below the lender’s minimum, you might get a better interest rate.
  • Advance payment. Depending on the type of mortgage you get, you may need 0% to 20% for a down payment. If you can place more than the minimum down payment, you will likely get a lower rate.
  • Type of mortgage. Compliant mortgage rates (which you probably call “regular mortgages”) are already low right now. You will pay less on a mortgage loan guaranteed by the government through the FHA, VA or USDA. You will pay a higher rate on a jumbo mortgage.
  • Duration of the mortgage. The shorter the term of your mortgage, the lower your rate will be. For example, you will pay less on a 15-year term than on a 30-year term. Keep in mind that your monthly payments will be higher in the shorter term, however.

When to lock in a mortgage rate

It’s usually a good idea to lock in your mortgage rate when you’re ready to start shopping for a home.

To lock in your rate, apply for pre-approval from a lender. After you receive your pre-approval letter, your rate is typically blocked for 60-90 days.

It helps to get a pre-approval letter before you bid on a home. Showing the seller a pre-approval letter indicates that you are a competitive buyer who is in good financial health, and it could give your application a leg up on other offers.


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