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Without doubt, the decision to refinance your mortgage is difficult, and will ultimately affect your future, both personally and financially. In tough economic times, and especially when people have lost their jobs or income, it is quite alluring to question whether or not you should refinance your mortgage. But, you must not take the decision making process lightly, as your home may be all you have. Particularly, in the case where you have children, you might not want to put your home at risk. It may be better to avoid refinance so that you can be assured of having somewhere for your family to live.
On the other hand, if your mortgage payments are small, and you are confident that your situation is a temporary one, it might be prudent to refinance in order to weather the storm. Especially if you have high interest debt, and when your budget is tight, reducing payments is wise. One term that has recently become very popular with analysts is “using one’s home as an ATM”. This means that many people are refinancing their mortgages with no clear reasoning, and spending the money as though it was available cash. Indeed, this type of refinancing can be dangerous. Each person’s situation is different, however, and you must evaluate your unique circumstances on your ability to earn, your existing debt load, and your familial responsibilities.
Of course, if the market is showing signs that interest rates are falling, and other indicators are favorable to you, then it would be the right time to refinance your home loan. Assuming you know your income is relatively stable, or you have received some extra money by way of a bonus, an inheritance, or a debt owed you, being able to apply a lump sum payment to your mortgage would make it advantageous for you to refinance your mortgage. By reducing your term length, or reducing your payments, coupled with lower interest rates, you could save a considerable amount over the full term of the mortgage. And owning your home a lot sooner would be a great accomplishment.
Lastly, because there are so many more opportunities today with different types of mortgages and different types of lenders, it really is wise to ask yourself whether or not you should refinance your mortgage. Make a list of the pros and cons, then review all the criteria to qualify for a mortgage refinance, open a spreadsheet and calculate the numbers, and make a final informed decision that will provide future benefits and security.
In 2009, the Obama administration launched a new program called MHA, under the Financial Stability Plan. Due to the overwhelming sad reality of today’s economics, millions of people are at risk of losing their homes. MHA, Making Homes Affordable, was the chief focus of the new plan, and its specific mandate is to help those who cannot afford their mortgage payments or who are in foreclosure.
The crux of the program is twofold:
The official government website FinancialStability.gov documents all information and press releases pertaining to the whole plan, while the MakingHomeAffordable.gov site deals strictly with the home ownership and refinancing issue. In addition, although not a government site, but completely legitimate and trustworthy, MortgageReliefOnline.com is sponsored by the consumer division of FICO, “myFICO” and two non-profit organizations called Home Ownership Preservation Fund, and Money Management International.
Through this website, it is very easy to determine whether home owners qualify for MHA, the Home Affordable Refinance Program. You answer questions to a short and concise form, then it immediately returns a result whether or not you are eligible for the program. If you do qualify, you will be given instructions and asked to submit your information so that someone can contact you and assist you through the process.
Both the government and non-profit sites warn home owners of the need to be wary when trying to benefit from the Home Affordable Refinance Program. There are many scams, the biggest being charging for information and stealing homes. Under no circumstances should you pay either to find out if you qualify or for assistance with the program. Likewise, you should not pay a fee for counseling as it part of the program for free. And, do not sign over the deed to your home to anyone. The program does not work in this fashion. Lastly, most of these “foreclosure relief” scams require that you forward your payments to them. The simple truth is your money will be lost. You need to take direction from your mortgage company or reverse mortgage lender.
Finally, another official website that you should review is HUD.gov, (US Department of Housing and Urban Development, also known for the FHA and its reverse mortgage program). Again, they emphasize the fact that help is free and provide information where you can obtain counseling. This one page brochure is quite handy with toll-free numbers and areas how they can help you.
Here are some general points about the Home Affordable Refinance Program (HARP):
Please note that even though we have listed these criteria, it is for informational purposes only, and we highly recommend you review the official sites, or call a non-profit agency before determining that you do not qualify and cannot seek help. The agencies are better equipped to understand your needs.
To date, over one million home owners have successfully sought help under the Home Affordable Refinance Program. The government expects that by the year 2012, three to four million will have benefited. Lastly, as the program is being modified and expanded to meet new needs, it is important to check and see if you now qualify under any of the MHA programs’ criteria.
True love means different things for various individuals, but by and large it is the state of caring for and being cared for completely. Absolute romantic bliss with your beloved. There are many stories about true love. True lovers will do everything for one another. True lovers support one another no matter what. True lovers share a bond that is at once irresistible and at the same time totally and absolutely right. Those who are actually in love are people who are actually content.
True love is one thing many individuals are searching for. You can be the most popular, the most attractive and the wealthiest individual but that does not mean anything if you do not have someone to share your life with. People have to experience true love as it is amongst the true essentials of humankind.
A dependable psychic would advise people not to look for true love because this will happen when you least expect it. So no matter how much you want and need true love and even if you think you can’t continue living your life without it, if it is not the right time then you won’t find true love. The fact is, a psychic would advise individuals when the time is right for them to discover true love. Based on your body language, characteristics, emotional disposition as well as psychological and spiritual signs, skilled genuine psychic readings could read your future. Like for instance, if you are a kind soul who has a good understanding of yourself then you will probably find true love faster compared to those who do not have these qualities. An intuitive will mirror this back to you, because usually centeredness is a subtle state. The surface might feel difficult or choppy, but if your center is strong, a psychic would see it and let you know.
A psychic would know if it is the right time for you and she or he will\would recommend some effective ways for you to find true love. A few activities or places might offer a good opportunity to meet him or her, depending on the nature of your psychic condition. If you have a fiery, lively state, you may attract love in athletic activities, while if your state is calmer and quieter, joining a book group could be a better approach. Some psychics would even advise you on meditations to do, colors to wear or particular gemstones which can improve your odds of discovering true love.
No body could predict true love and sometimes people feel that it is just playing some kind of a game. It could be that a psychic sees your path to true love starting with a particular suggestion. For instance, if your psychic says to travel, you could meet someone with whom you feel a strong friendship connection while traveling. Although you could be jovial having spent a lot of wonderful time with this individual going to various places, that doesn’t mean that it is true love.
The thing about true love is that you have to be in the right place for it. In life, different individuals follow various paths. Nevertheless, if you love yourself and the forces that fill this world, then it is possible that a true psychic could help you discover the true love that you are searching for.
Like many people, you probably love to start off each morning with a hot cup of coffee. But how much do you really know about what you are drinking? If you are curious about coffee, this article will teach you more about the different kinds of coffee and how to make the best cup possible.
If you want fancy latte decorations without a fancy latte price, you can try making your own. There are various guides online that can get you started. With some practice, you can make latte art as good as any barista using milk and melted chocolate. You will not only save money by creating beautiful latte designs, but you’ll impress your guests too.
Always store your coffee beans or grinds in a dark, cool, airtight container. Even better, use a vacuum container. Storing your coffee in such a container helps keep your coffee smelling and tasting fresh for a long time. Store the container in the fridge or freezer to maximize freshness.
Buy a coffee grinder, and buy whole bean coffee. There is no substitute for the taste of freshly ground beans. If you can’t afford a coffee grinder, you can still buy whole beans. Most supermarkets have grinders that you can use to grind your coffee purchase before you leave the store.
For old or cheap coffee makers, you can have better coffee by heating water before making the coffee. After getting the hot water, add the coffee grounds, and then pour the hot water into your coffee maker. This method guarantees that the coffee you serve will be piping hot and taste great.
Buy smaller cans of coffee. If you buy coffee in a can, only buy what you will consume in a couple of weeks. It will cost more money than buying a large can and storing it for a while. What you save in money by buying a larger can, you end up sacrificing in taste.
Think about using a frying pan to roast your own coffee. While some people may use an expensive machine, it is really not necessary. Using the frying pan is quite a simple process and generally won’t take you more than half an hour to do. Go online to find instructions regarding home roasting. There are a lot of tutorials out there that can help.
If you are making iced coffee with instant coffee grounds, you should add twice as much as you would normally add to a hot cup. This is because adding ice will dilute the coffee and make it weak if you do not make sure that you make it strong enough.
If you really want the freshest coffee with a gourmet taste, avoid pre-packaged coffee that sits on the grocer’s shelves. Purchase your coffee beans directly from the roaster through their website. Most roaster’s will have the coffee on your doorstep in just a couple days. This enables you to enjoy the beans when they are at their most flavorful.
Use the right amount of water when brewing coffee. Failing to use sufficient water will result in coffee that is too strong. Alternatively, if you use too much water, your coffee is weakened. A good practice is to use two cups water for every desired cup of coffee.
Use your used coffee grounds in your compost pile! Coffee grounds offer many beneficial ingredients to a compost pile including pest control. Coffee grounds contain caffeine which helps prohibit the growth of fungus that can quickly destroy your vegetable garden. The next time you brew a fresh pot of joe don’t throw away those grounds; add them to your compost pile!
Make sure that you always refrain from putting coffee beans in the freezer or refrigerator. When these beans are placed in areas that contain food, it will absorb the smells of the food and take away from the coffee taste. This will ruin the quality of your coffee, as you should always separate beans from other nourishments.
Consider investing in a coffee grinder if you want incredible flavor. Doing so, you will be able to grind your beans as you need them. You will be amazed at the difference between coffee brewed from fresh beans and that made from a canned or bagged grind. You owe it to yourself. You should also consider investing in one of the best cutting boards.
Understand the amount of time that your coffee will be good for, whether it be ground coffee or whole bean. Typically, ground coffee will be good for up to a week to maximize the quality of taste, whereas whole bean coffee can last up to three weeks of time. Learn these time constraints to limit stale coffee in your home.
After purchasing coffee it is important to properly store it for it to retain its freshness. If you will be using your coffee within a week, store it in an airtight plastic or glass container out of direct sunlight and away from heat. If it will be longer than a week before you will use it up, consider placing the coffee in the freezer.
A great tip to remember if you’re after the best-tasting cup of coffee is not to let your coffee sit for an extended period of time. Coffee will only stay fresh for about ten minutes so you should be prepared to drink your coffee right after it’s been brewed.
After reading this article, you should have a better understanding of what goes into making the perfect cup of coffee. Before long, you will be enjoying the most delicious cup of coffee that you have ever had. Just remember the tips from this article the next time you start brewing a fresh pot.