Refinance Mortgage Interest Rates 3 Tips For Getting The Best Rate

By Robbie T. James

If you are like most of us, your home mortgage represents your largest monthly expense – likely requiring you to spend 20-35% or more of your income every month just to make your payments.

The fact that homeowners spend so much of their hard-earned money on their home is done with good reason. The home means something unique and personal to each of us. For most people, our home is our shelter, a place to put our things, and a place to entertain and take care of those we care about . . . a place to be proud of. It is also a big financial investment. This investment vehicle role of the home is another aspect altogether, and one to be taken seriously.

Being such a large investment, however, your home is something that you have to work very hard to financially support and maintain. Even if you exclude monthly home-related expenses like utilities and repairs, the monthly mortgage payments alone are enough to place a strain on most people’s finances.

If you are feeling the pain of your mortgage payments or just would like to see if you can get a better interest rate, refinancing might be in your near future.

Refinancing Your Mortgage Can Be A Smart Move

There are a number of advantages to refinancing your home. In particular, refinancing can:

YouTube Preview Image

a. allow you to reduce your monthly mortgage payment amount

b. reduce the total cost of your loan c. give you the chance to cash out some of your equity for use toward other big expenses like college or home improvements

How Does Refinancing Work?

Essentially, refinancing works much like it does to get a mortgage the first time around. However, with refinancing you already own the home and have a mortgage in place. So, you are basically just swapping out one mortgage for a better one.

To refinance, the process goes something like this: you will need to find a low-rate lender – one willing to offer you a better interest rate than you have now. You most likely will get your home appraised (the cost of which can often be rolled into your new loan). And, you specify the terms you want, such as a 10 year, 20 year or 30 year loan. Longer terms means cheaper monthly payments but paying more in interest costs over the life of the loan.

How To Know When To Refinance

There is no single-best time to refinance. However, for most people, the best time to refinance is when you notice that interest rates in the market are down. Or, if you have a better credit score than you did when you got your current mortgage, it could be a good time to refinance. You never know for sure, however, until you apply and get your first offer.

Refinance Mortgage Interest Rates: 3 Tips

Here are three tips for getting the best interest rates when you refinance your home:

1. Get a quote from your current lender last: Your current lender already has an “in” with you. They have a little extra influence and they know it. That is why it is always important to ask them for a refinancing quote last. That way, when you approach them later, you will have in your back pocket 2-3 excellent alternative offers from other firms. Make your current lender work to keep your business!

2. Check your credit score: Before calling around or applying online for a new loan, be sure to run your credit report first. Knowing your score before you call gives you an advantage. Also, it allows you to fix any glitches or mistakes in your credit report.

3. Get quotes from at least 5 lenders: Make sure you spend the extra hour or two required to research multiple lenders. By getting quotes from multiple lenders, you will only be increasing your chances of landing an offer. You should consider accepting the best offer you get, as long as the new interest rate is at least 0.5% to 1% lower than your current rate.

Follow these 3 tips to secure the best refinance mortgage rates.

About the Author: Get access to some of the lowest mortgage refinance rates around at: Home Mortgage Refinance Rate Offers.

Source: isnare.com

Permanent Link: isnare.com/?aid=565198&ca=Finances

A Review Of The Easy Postcard Marketing Income Opportunity

By Brian Garvin And Jeff West

Article Summary – Find out the truth about Easy Postcard Marketing and see if it is right for you at this time. Please read our unbiased review of the Easy Postcard Marketing Income Opportunity.

Easy Postcard Marketing is one of those old ideas, that makes sense. When you receive a post card from someone, what is the first thing you do? Turn the post card over, to see who sent it. It is a natural. What better way to market your business and get noticed?

With all of the different methods that companies and businesses use to market on the internet, the compettition to become noticed by others can be overwhelming. Sometimes, all it takes is a tried and true method that worked before, but got swept under the table in the race for a better marketing machine.

Simply stated, sending post cards through the mail works. It never stopped working. It is human nature to look at a post card, then flip it over, to see who it is from, or what the message on the card says. It is an effective marketing tool that will work, as long as we still get mail.

Easy Postcard Marketing has a simple, no nonsense approach that is incredibly effective and produces results, without spending a fortune, by follow their steps.

YouTube Preview Image

You set up an online account with them. Easy Postcard Marketing has thousands of post cards you can choose from to market your campaign with, or have one created to your custom specifications. Upload your contact list to them.

The company is so sure their simple system will get results for your business, they offer a free trial offer to anyone, to try it for themselves. To take advantage of this free offer, all you need to do is visit their website and fill out a short online form.

The next step is to type in your message. Easy Postcard Marketing has a built in mail merge, every card you send is personalized. Press send, and you are finished! It is that easy.

As a business opportunity, Easy Postcard Marketing will pay you when you refer customers as an affiliate marketer.

As an affiliate marketer, you get a lifetime system license.

A greeting card is 2 points, a post card is 1 point. A upload picture uses 1 point. You receive 200 points (sends one hundred cards), 7 stamps to begin with and one hundred points per month, when you send 50 greeting cards.

Commissions depend on the points sold.

As a affiliate, you receive $100-$150 for every person referred who becomes a distributor. After three referrals, your membership is basically covered.

You can earn 2%-32% monthly residual income on cards sent by your referrals. You also receive commissions when your referrals refer others all the way down to seven levels deep.

As a affiliate with Easy Postcard Marketing, you are also provided with all of the tools needed to show other concerns how they can expand their base by sending out post cards. The company also does all of the follow up advertising for you.

For more detailed information about affiliate opportunities with Easy Postcard Marketing, you will have to go to their website and sign up.

About the Author: You can read our Unbiased, expert review of

Easy Postcard Marketing

from Brian Garvin and Jeff West at

MLMreviewKings.com

.

This article may be used royalty free provided bio & links remain intact. Copyright Mission Billion, Inc. All Rights Reserved Worldwide

Source:

isnare.com

Permanent Link:

isnare.com/?aid=261128&ca=Marketing

How To Become A Good Used Car Dealer: Insider Tips

By Alex Baumm

If someone asks you… can you rely on the words of used car dealers? You might probably answer NO. Then, I will ask you… why? You will answer… because I heard that they are not trustworthy and so on. See… this is urban legend, more like a myth. Why? Primarily this is because it is mere hearsay.

Although there are some used car dealers who are not as honest as most used car dealers, used car dealers in general are really honest people ready to give you some useful piece of advice just when you need them (contrary to what other people think). Used car dealers are easy to deal with. They are affront and direct in their dealings with clients and even non-clients.

But, if on the other hand you want to become a used auto dealers, it is highly suggested that you memorize and consider these tips.

1. Know your profession as much as you know yourself. By knowing the ins and outs of the used car dealership profession you will have greater ability to offer substantial help to your colleagues and clients. People who want to purchase used cars would generally have more confidence and trust to someone who knows what he is talking about.

YouTube Preview Image

2. Be honest in your dealings. Be straightforward in all your dealings as this is vital in establishing good reputation. As it is important for used car dealers to sell, it is nevertheless important for them to be very direct and honest in all dealings because this will enable them to sell more in the long run.

3. Be cordial and approachable. The same is true for used auto dealers as it is in all professions for that matter. Used auto dealers should be cordial and respectful even to a client who is entirely disrespectful as this will establish your distinction from them and from him. Likewise, be approachable. Do not just dismiss questions or leave them unanswered if you can otherwise answer them.

4. Always put your best foot forward but not to the point of stupidity and dishonesty. Some people have an entirely wrong conception when this maxim is mentioned. For them, putting the best foot forward has to do with being untruthful. This is wrong. This simply means you give everything and every transaction your best shot.

5. Dress up well and be physically fit to perform the activities that relate to the job.

So, these are some things you can consider when you plan to enter the world of used car dealership. These are quite simple things that demand control over your discipline and refined behaviors. By practicing them every day, they acquire the level of routine activities you do every time like walking, breathing and eating.

There are great opportunities in the field of used car dealership. It’s one of the many jobs that people can showcase their abilities to communicate, negotiate and win the trust of people.

Used car dealers find their job financially rewarding too because of incentives they may receive every time they perform well – an effective motivation that can possibly push people to the best level of their skills.

About the Author: Alex Baumm, member of a car forum. Join our Car Forum today and learn much more about Used Car Dealers, Car Purchase.

Source: isnare.com

Permanent Link: isnare.com/?aid=243955&ca=Automotive

Reasons Why People Are Choosing To Get Married Later In Life

By Alex Lemone

Our parents are a generation of people who married their high school sweethearts. There is a reason they pushed us to go to college before we settled down, though. They know that it is a lot harder to become a professional and follow your dreams if you start a family before finishing school and starting a career. As a generation, we have followed our parents’ advice and are settling down later in life than ever before. Here are some reasons why.

1. We are career-minded

Schools are teaching advanced ideas to children at earlier and earlier ages. Kids do algebra in second grade now. A good thing to come of this push to educate is that we often reach the end of our schooling with a concrete idea of what we want to do with our lives and the drive to meet our dreams. People who choose to put off marriage until after they reach a certain level of career stability have put themselves and their education first. It isn’t a selfish thing, but rather prioritizing. This comes first, so family can come later.

2. We seek financial stability

YouTube Preview Image

Women and men are putting off starting families until their careers are well under way. We see it as a responsibility to not have a family until we can pay for everything it will need. People who get married straight out of high school often do not make it all the way through college, and those without a college degree make hundreds of thousands of dollars less than their degreed counterparts over the course of a lifetime.

3. We are saving for the wedding

Or the ring, or the down payment for our house. People are living together longer because there is less stigma attached to remaining unmarried. There is no rush. We would rather have all our ducks in a row before marriage and end up with the wedding we’ve always wanted, a great honeymoon, and money left over for our new house. In this age of bride-zillas, many brides are absolutely sure of what they want out of a man, a ring, and a wedding, and they are not going to take anything less than perfection.

4. We’re living together

Without the stigma once attached to unmarried singles living together, some people find no reason to get married. They’ve been living together for years, the relationship is good, and they find no reason to move on. Without getting married, they can remain in charge of their own money and decisions and enjoy the tax benefits of being single while also enjoying a deep and meaningful relationship with their loved one.

Whatever our reasons for postponing marriage, we are a generation of responsible adults who know what we want. There is always room for whirlwind romance and following your heart. Not all reasons for postponing marriage are good ones. If you’re waiting for perfection, if you’re counting every penny, if you see no reason to change, make sure you don’t take your life for granted. The seconds count more than the pennies, especially if you’ve got someone to share them with.

About the Author: Alex Lemone is a relationship, family, and wedding writer. To view some

wedding themes

or other

wedding ideas

go to Wedding Ideas Etc. Note: You may reprint this article on your website, newsletter, or blog as long as the resource box remains in tact and hyperlinks stay active and dofollow.

Source:

isnare.com

Permanent Link:

isnare.com/?aid=715433&ca=Marriage