Are you having a baby? Here’s a handy, downloadable PDF with a list of 50 essential items you’ll need for your new baby. Whether you’re sorting through your baby shower gifts or drafting your shopping list, these tips may help you figure out what you need most.
Although vacationing during the cold winter months is exciting, it’s important to take care of all the mundane details before leaving your home for a significant amount of time. Nobody wants to worry about the safety of their home while vacationing, and you won’t have to if you take these steps.
Characterized by bright colors, woven fabrics and handcrafted pieces, southwestern-style decorating takes influences from Native American, Spanish and Mexican art. Whether you live out west and want your home to reflect your surroundings, or you simply want to incorporate colorful or handmade items into your existing decor, here are some tips to help you...
Home loan refinancing has recently risen in popularity for several reasons. There are many benefits to refinancing, such as the possibility of lowering monthly payments by locking in a more affordable fixed rate; switching to a fixed-rate loan from an adjustable rate mortgage; taking advantage of lower rates on high-cost mortgages; getting cash out of your investment; or refinancing a Federal Housing Administration (FHA) loan through an easy, streamlined process. Lower Your Monthly Payments by Getting a Fixed-Rate Loan at a Lower Interest Rate In 2009, mortgage rates dropped close to record lows. It may be a good idea to lock-in your rate sooner rather than later if you are thinking about refinancing. Bear in mind that the chances of mortgage refinance rates increasing is much greater than their chances of decreasing. So be sure to use caution and weigh your risks before delaying a rate lock if you’ve pre-qualified for a refinance home loan that will save you money in the long run. Switch From an Adjustable Rate Mortgage to a Fixed Rate Mortgage Now may be a good time to consider refinancing to a fixed-rate mortgage, especially if you have an adjustable rate mortgage (ARM) that is set to adjust. Your ARM may increase to a rate that’s higher than current fixed rate mortgages. Before refinancing though, you should think about the amount of time you plan on being in your home. If you are going to be in your home longer than seven years, it might be a…