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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 addition to her financial know-how, Michele has a not-so-secret love of painting, Star Wars, and choco...

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

The best online brokerages for beginners More Button Icon Circle with three vertical dots. It indicates a way to see more nav menu items inside the site menu by triggering the side menu to open and close. Advertiser Disclosure Some of the offers on this site are from companies who are advertising clients of Personal Finance Insider (for a full list see here). We may receive compensation when you click on such partner offers. Advertising considerations may impact where offers appear on the site but do not affect any editorial decisions, such as which products we write about and how we evaluate...

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 can't 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 professors who can tailor your application to perform well with screening software, and while it can seem...