Lauren Laughlin

Articles by Lauren Laughlin

At-Home Sunburn Relief Treatments

I’m sure you’ve experienced varying degrees of sunburn. When you have it, you’ll do anything to get rid of that hot, dry, itchy skin that’s been in the sun too long. Here are a few at-home sunburn treatments to help ease your pain.

Saving Money Over the Life of Your Loan

Lifetime savings. It isn't something we think about on a daily basis. Although I probably should, I’m not walking around thinking how much I could save over 30 years if I didn’t buy myself a cup of coffee every morning. But if you’re in the market to refinance or purchase a new home, savings over the life of your loan should be at the top of your mind. How can you save over the life of your loan? It’s simple, you pay less interest. Let’s crunch some numbers. If you have a $200,000 30-year fixed-rate mortgage with an APR of 4.599%, your monthly payment would be $998.58, and the total amount of interest you’ll pay is $159,640.  That same loan amount with a 15-year fixed-rate mortgage (3.758% APR) gives you a monthly payment of $1,417.52 and a total interest amount of $55,240. So, if you went with the 15-year fixed-rate loan, you would be paying $419 more every month, but you’d save $104,400 in interest over the life of your loan. But what if you don’t want to go into a 15-year mortgage? Is there any other way to save on interest over the life of your loan? Yes, with an adjustable rate mortgage (ARM). ARMs can still have a 30-year term, but the interest rate will be fixed for a period of 5, 7 or 10 years. After that fixed-rate period, the interest rate may adjust once per year depending on the market conditions. A lot of people opt…