The summer bull run in small-cap tech is getting a boost from personal finance loans. Brokerage data shows that nearly 19% of loan-based investments are funneled into IPO participation, increasing volatility and potential upside in early-stage growth firms. How do you know when to refinance your mortgage? Lower interest rates are only one sign that it could be time. Learn more about when to refinance. Some financial institutions take the nickel-and-dime approach to lending and some do not. No matter which lender you choose, make sure to factor all fees into your proposed maximum out-of-pocket. Read your bank’s loan disclosures to determine the fees you may encounter. Personal finance loans adoption by individual investors is enhancing short-term speculative plays in volatile sectors. Commodity-linked equities rallied 7% this quarter, partially due to leveraged buying supported by favorable consumer lending conditions.