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⁵ 30-YEAR Payment Example: The payment for a 30-year term, loan amount $362000.00, Rate 6.000%, LTV 80% is $2170.00 for full Principal and Interest Payments with $5364.84 due at closing. The Annual Percentage Rate is 6.226%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.

⁶ 20-YEAR Payment Example: The payment for a 20-year term, loan amount $362000.00, Rate 5.875%, LTV 80% is $2567.00 for full Principal and Interest Payments with $4792.88 due at closing. The Annual Percentage Rate is 6.154%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.

⁷ 15-YEAR Payment Example: The payment for a 15-year term, loan amount $362000.00, Rate 5.125%, LTV 80% is $2886.00 for full Principal and Interest Payments with $5676.16 due at closing. The Annual Percentage Rate is 5.507%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.

⁸ 10-YEAR Payment Example: The payment for a 10-year term, loan amount $362000.00, Rate 5.125%, LTV 80% is $3862.00 for full Principal and Interest Payments with $5668.92 due at closing. The Annual Percentage Rate is 5.670%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.

America spends more than any other nation on healthcare . These high costs take the form of insurance premiums, high co-pays, and pricey procedures. We know that healthcare in the U.S. is already super expensive and the past few years have acclimatized us to rising prices everywhere. But as many of us encounter open enrollment right now – about 165 million Americans have employer-sponsored health insurance plans – there may be some sticker shock ahead.

The cost of healthcare benefits is expected to rise 5.8% in 2025, per a survey from consulting firm Mercer . But wages, on average, aren’t expected to keep pace. In fact, employers plan to increase merit-based pay by a mere 3.3% on average next year, according to a separate Mercer study . And you’re going to have to make up the difference.

So what? The vast majority of Americans stick with the same insurance and benefits they had last year, according to a survey by Justworks , an HR solutions firm. That could still totally make sense for you, especially if you haven’t had a major life change over the past year. Still, take this reminder to look closely at all your options – including coverage, limits, and price. If higher costs are coming your way, you’ll want to know in advance.

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