The major types of bias in the observation bias group include recall bias, interviewer bias, follow-up bias and misclassification bias. Confounding is sometimes referred to as the third major class of bias. It is a function of the complex interrelationships between various exposures and disease.
Today's mortgage rates - April 20, 2017. Mortgage rates barely moved this week, but did decline just enough for 30-year rates to reach new lows for 2017. According to Freddie Mac, the average conforming 30-year fixed-rate mortgage shed two basis points (0.02 percent) to slide to 4.08 percent. Fifteen-year fixed rate mortgages eased a similar amount, with that .02 decline good enough to tie a low for the year.
In the meantime, the average loan balance on unsecured loans has been creeping higher. In 2015, the average balance was $7,235, up more than 7 percent from the year earlier, according to TransUnion. The average balance will grow by another 5 percent in 2016, to $7,599, according to TransUnion's personal loan forecast. The interest rate on a personal loan is 11.3 percent, on average, according to Bankrate, although those with very good credit can get a rate as low as 5.5 percent. That's notably less than the average credit card rate of 15.7 percent. But despite their current popularity, this type of loan is not for everyone, Albery cautioned. People with home equity should consider home equity loans and lines of credit, which charge lower rates and have a tax advantage, he explained.