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Business Insider Michele Cagan Michele Cagan is a CPA, author, and financial mentor. With more than 20 years of experience, she offers unique insights into personal financial planning, from breaking out of debt and minimizing taxes to maximizing income and building wealth. Michele has written numerous articles and books about personal finance, investing, and accounting, including "The Infographic Guide to Personal Finance,"Retirement 101," and "Debt 101." In ad...

The average refinance rates and 5/1 ARM rates are up since last Tuesday. But fixed rates on new mortgages are down.

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Both refinance rates and rates on some initial mortgage terms have gone up since last week. But mortgage rates are still at historic lows in general.

On top of that, while you can usually submit the same resume you spent hours tweaking to similar jobs, the same cant be said for cover letters. Each new job posting will likely require the patient — and potentially heart-wrenching — labor of crafting a new letter. If you want expert advice and guidance on how to create the kind of cover letter that gets pulled to the top of the pile, you might want to invest a little time into a cheap online course. Some are taught by HR veterans and profes...

Fixed mortgage rates have decreased a little since last Thursday, and refinance rates are down overall. It could be a good day to lock in a rate.

Coursera Plus is now discounted at $296 (originally $399), giving you access to over 3,000 online courses from top universities and companies.

If your finances are in a good place, you could lock in a mortgage rate well under 3%. A fixed-rate mortgage will lock in that rate the entire time.