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10 Easy Maintenance Tips vs Piling on the Chaos
10 Easy Maintenance Tips vs Piling on the Chaos By Eve Abbott, Excerpted from her new book, How to Do Space Age Work with a Stone Age Brain TM Whether you are in your own business or an employee (or neither) -- if you have a family and a home...
Can You See Clearly Now?
Can You See Clearly Now? by Lady Camelot Johnny Nash's song, "I Can See Clearly Now," is one of those musical tunes that are not only dear to my heart, but a "pick-me-up" mantra as well. The lyrics are as follows: I can see clearly now, the...
Conscience
When I was a child my parents told me what was right and wrong, school had its rules and church had its sins. To be a good boy, all I needed to do was obey all the do’s and don’ts. If I did, I was led to believe I was following my conscience. ...
Self Esteem
Self Esteem, how does one find it, low self esteem, how does one get it? Esteem: (definition according to Websters Dictionary) to value, appraise, estimate, to have great regard for; value highly; favorable opinion, high regard… To have...
Why Have A Budget Analysis
Let's start by defining a "Budget Analysis". This is simply a breakdown of your budget (income, bills & expenses) showing how much money you have coming in and how much you have going out. It will show how your budget category percentages compare...
 
Mortgage Refinance: 4 Ways To Know Its Time to Refinance Your House.

You may want to refinance your home for several reasons.

1)Mortgage Rates might be lower now. The biggest reason that people refinance their mortgages is to save money. No matter what has happened to you, there is always a good reason to start saving money. A lower rate on your mortgage can help you stretch out the payments so that every month you are paying less to live in your house than the previous month. When interest rates are low and you had previously locked your mortgage into a higher price, it might be a good idea to shop your rate around to see how low you can get it. The early 2000's have been an environment of very low mortgage rates which make it a good idea to shop around to see if you can refinance your mortgage.

2)You need money and need to stretch out your payments. Maybe you've recently filed for bankruptcy and therefore need more money to get back on your feet. Maybe you've switched jobs and therefore need to refinance your mortgage in order to make your monthly payments lower. No matter what people say, it's always a good idea to have more money in your pocket than less, isn't it? Refinancing your mortgage might be a good idea in this situation.

3)There may be better deals out there than you think there are. Finding a new mortgage company or bank to refinance your mortgage might be a good idea just to kick the tires of the industry and see if you could get a better deal. If you've been spending a lot of money and paying off the balances on your credit card on a monthly basis there is a significant chance that your credit score has increase recently. An overall better credit score is better for everyone


including your lenders. If a new lender sees that your credit score has increased recently, she might be in a much better position to give you a better deal on your mortgage than you think. She could refinance your mortgage by shopping the deal around at more banks and finding the best one for you. Shop your refinancing around, it can't hurt.

4)Mortgage refinancing as a sound business decision. If you own a small business of any sort and need a capital infusion, then investigating mortgage refinancing might be a very smart thing to do. If your business is truly small and you run it out of your house, then the line between your personal and business expenses might be thinner than you are reasonably comfortable with. Clearing up a little extra capital, through refinancing your home, every month might be the difference between investing in some new small equipment and not investing. Everything that is an expense should be lowered if possible. Refinancing a mortgage might be a fantastic idea to increase capital reserves and to plan for future investments. Many business owners who work out of their homes constantly try to decrease their monthly payments so that when it comes time to pay their business bills, they have a little extra capital. Always check with a CPA or attorney to determine what is deductible and what isn't. But, more money is more money, even if you are lending it from yourself to your business

About the author:
Find more great articles at http://www.marriedfinances.coma great online source for finance information.



 

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