Today’s top story: Changes are coming to the 2014 mortgage market. Also in the news: The privacy of your credit score, financial predictions for 2014, and how to avoid charitable giving tax mishaps. 
What You Need to Know About the 2014 Mortgage Market
Seven possible changes to next year’s mortgage market.
How Private Is Your Credit Score?
The amount of people who know your credit score might surprise you.
10 Personal Finance Predictions for 2014
NerdWallet reads the financial tea leaves.
Giving to Charity? Watch Out for These Tax Traps
Your generosity could come with a hefty price tag.
Will Banks Ever Pay Savers More?
Why banks hate people who save their money.
This is depressing, regarding the mortgage requirements. We will have no debt except a car payment and it sounds like 20k down (10% for us) is still not “good enough”. I understand they want to be cautious with what happened last time but it’s like, do you want first time home buyers with steady income and low/no debt as customers or not? What I’m getting from this, is “not”. And to say “well save a little longer” sounds good in theory but it also means letting interest rates go up in the mean time. It’s a Catch-22. You can’t win the game anymore.