Tag Archives: money

Real Estate: Refinancing Rates on the Rise in 2017

 
Real Estate: Refinancing Rates on the Rise in 2017

by Amy Lignor

 

The term ‘meteoric rise’ usually applies to something fun. Think: A Hollywood actor who has been ‘discovered.’) Unfortunately, when it comes to this article, ‘meteoric rise’ is something that will not bring a smile to one’s face. To put it simply, if you wish to refinance your home, you need to do it ASAP. If choosing to wait too much longer, homeowners across the country are going to miss out on saving huge amounts of money.

meteoric rise, money, mortgage rates, politics, Federal Reserve, interest rate, adjustable-rate mortgage, economy

Although mortgage rates are still near historic lows, no one could possibly believe that they will stay that way. And with the politics being what it is at this time (and showing no signs of changing in a positive way whatsoever) real estate will be changing and so will banking. Trump and the Federal Reserve are setting up the country (according to experts in both the banking and real estate industries) for higher interest rates. With millions of Americans eligible to refinance in 2017, but haven’t yet, it is highly important to note that these interest rates will experience a meteoric rise – rising so fast that if you don’t refinance now, you may not have another time to do so.

 

Mortgage rates are tied to the economy, and economic uncertainty is what you’re looking at from now on. From weak job reports to current military action causing concern, economists are being very realistic when saying that they have no idea what’s going to happen next. Uncertainty, as the past has proven to everyone, throws mortgage rates out of control, causing them to suddenly skyrocket to the highest levels ever seen. The low refinance rates that smart homeowners have taken advantage of thus far have provided them with reduced monthly mortgage payments.

 

So, how do you go about refinancing in 2017, so you can take advantage of the low interest rates ASAP? Here are the steps to take:

 

First of all, move fast. Though rates won’t rise immediately, that steady upward movement they will have is not going to change direction and will hit that ‘meteoric rise’ moment. According to Consumer Reports, the historically low rates that we have experienced are not going to go any lower, which means now is the time to refinance.

 

Second, you need to make sure that your credit score is in good shape. You must remember, even though rates are low does not mean you quality for them. Seeing as that your credit score is a large part of getting these rates, check your report for any errors that have been made, then make sure to pay your bills on time, and use those credit cards sparingly. Make a budget and stick to it in order to reap the benefits of refinancing.

 

Thirdly, think about refinancing into an adjustable-rate mortgage. In an unstable environment where the interest rates will rise, ARM’s make sense since these loans will come with lower initial rates than fixed mortgages. They’re especially the ones to choose if you already know you plan on staying in your home no longer than the fixed term of the loan. The other side of this comes when refinancing out of an ARM. If you’re concerned about the interest rate rising on your adjustable-rate mortgage, refinancing to a fixed-rate product can allow you to lock in a new rate to make your monthly payments more predictable. This is better to use when already having the knowledge that your home is going to be the one that lasts a lifetime.

 

In addition, refinancing to a shorter term fixed-rate loan can save you cash. Not only is the interest rate lower than with a thirty-year fixed-rate loan, but the shorter term also means you’ll save more cash over the life of the loan by paying less interest.

 

In the end, the facts ring true: experts ranging from economists to financial advisors to real estate agents state that this historically low interest rate level will rise (meteorically) one day soon. Therefore, the time to refinance is now in order to save your money before it disappears completely.

 

Source:  Baret News

 

What to Tip the “Tipper”

 

What to Tip the “Tipper”

He or she is your guide into those woods, out on that river, etc. They are the ones who have gone to school and been educated in this particular sport/pleasure you are delving into for your vacation time, and they are the ones with companies that make it easier than ever to plan a guided hunt or trip for you, family and friends. They are also the ones with just the right “tip” that could allow you to have the most successful hunt you’ve ever had.successful hunting, proper, appreciation, long-standing relationship, service, quality, the right 'tip'

Over the internet, a lover of the hunt (or fishing, boating, etc.) can log on and go through a list of outfitter websites that contain everything about their company and their team. They will offer up information that all prospective sportsmen and sportswomen need to know: from accommodations provided to equipment to pictures of the areas being utilized for the sport, animals harvested in the past, as well as various packages and prices.

But, oddly enough (unlike the rest of American business and industry in the 21st-century), you will most likely never find anything about what specific dollar amount or percentage of the hunt cost to give the guide as a tip. And because each package is so completely different, coming up with an average tip can be extremely tough. This is a gray area for many sports people, especially those who have never been on a guided hunt/tour before.

It is understood that a tip is not a requirement. However, it is important to realize that if you “land” a quality service and a guide who truly loves what they do and knows the ins-and-outs of everything they happen to be doing, than offering your guide a tip is the best way to offer thanks to them for their service.

It is important to remember as well that if the guide is not the outfitter, they are usually told what to do by someone higher up in charge. They may not have any say when it comes to choosing the location or what your accommodations will be during your stay. That is the outfitter’s responsibility, and your guide should never be “hung out to dry” if that outfitter has made errors in your trip. The guide’s tip is always based on the job that they did for you and your friends/family. If for the duration of your event they work as your partner – such as, on a hunt, if they help fill your tags, make sure you have a safe hunt, and offer those stellar, helpful ‘tips,’ than they should be rewarded with a “thank you.”

If the outfitter is both the owner and your guide, then it becomes a different story entirely. They are the ones responsible for every detail during your trip – from being the guide to making sure your hunt is set up well and your accommodations and other details promised have been delivered. This becomes another gray area for some because why tip the owner when you have already paid them for everything in full? Most hunters and sportsmen will agree that if the guide does everything in an A+ manner, it doesn’t matter if they own the company or not, they should still get the “thank you.”

When thinking about the prices, start with something easy. At a restaurant the approximate tip for your waiter/waitress is 15% (if the job is done well, of course). When it comes to the guide of your trip, most hunters begin in the neighborhood of 8-12% of the cost of the hunt when it comes to tipping the guide. (Example: For most waterfowl hunts that comes out to approximately $25 per day; for a 5-day big game hunt you are closer to the $250-$350 range. And if we are talking about a guide that has literally shown you and your guests a truly incredible week, then giving a little extra is definitely a good show.

Above all, remember the fact that the guide is not responsible for you shooting correctly, being able to “land that big one” right, and definitely are not responsible for anything that Mother Nature decides to throw in your path. Certain things will always be out of a human’s control, but hard work most definitely matters and should be appreciated. Just think, you may have such a successful expedition that you will want that particular guide the next time around, so saying “thank you” is a great way to start a long-standing relationship.

Source:  Sportsmans Lifestyle

The Doctor’s Get Their “Say” About Rio 2016

 

The Doctor’s Get Their “Say” About Rio 2016

by Amy Lignor

 

The news headlines have been constant; the pictures have been awful. There is no way to hide the fact that our men and women athletes will be walking directly into – not to mention, the rest of the world’s athletes who are coming to win their Olympic medals from all corners of the earth – the Rio 2016, Olympics, Zika virus, global health, Centers for Disease Control, ethics, public health emergency, WHO, moneyrapid spread of the Zika virus. Although debates have gone back and forth, the Olympics are still being held in Rio, causing the concerns of spreading the virus to steadily go off the charts. In other words, the people who run the Olympics and the ones who run Rio have stated that it’s clean “enough” and that nothing bad will happen. Oddly enough, these same people in power have not jumped in to go for a swim in order to prove that their claims are correct.

 

Now, a group of 150 doctors, scientists and bioethicists have joined together to write a letter, which was sent to the World Health Organization, stating that the Rio Olympics must be postponed or moved completely. Citing very definite concerns and factual evidence about furthering the spread of the virus, the group is also questioning the WHO. They are wondering if the WHO is simply rejecting all advice and requests to move the Olympics because they somehow have a conflict of interest (in other words, an agreement of business/money) with the International Olympic Committee already set in place.

 

This is all about global health. Even sport shows like, “Mike & Mike” on ESPN have offered the people in power in Rio money to take themselves and their families into the disgusting waters that reside there. So far, no takers.

 

This group’s letter was put in perfect context. “Currently, many athletes, delegations, and journalists are struggling with the decision of whether to participate in the Rio 2016 Games. We agree with the CDC’s (Centers for Disease Control) recommendation that workers should ‘consider delaying travel to areas with active Zika virus transmission’. If that advice were followed uniformly, no athlete would have to choose between risking disease and participating in a competition that many have trained for their whole lives.”

 

It is apparent with the research that the possibility of Olympic travelers acquiring the Zika virus in Rio, and then returning home, especially to currently unaffected areas, will bring it back with them. And once it begins, it will run rampant. As far as this group is concerned, the risk is not only stupid, it’s unethical. Just so the Olympic Games can move forward and Rio can make some cash, it seems that no one understands that it could be postponed or moved to another place quite easily.

 

The World Health Organization answered almost immediately, which means it looks dangerously like they have made up their minds and nothing at this point will matter. The frightening part is that their return statement included this: “Based on current assessment, cancelling or changing the location of the 2016 Olympics will not significantly alter the international spread of Zika virus. Brazil is one of almost 60 countries and territories which to-date report continuing transmission of Zika by mosquitoes. People continue to travel between these countries and territories for a variety of reasons. The best way to reduce risk of disease is to follow public health and travel advice.”

 

These words came from the same organization that declared the Zika virus an international public health emergency back in February, with Brazil being one of the countries hardest hit…up until now, anyway.

 

The still-talking Olympic organizers have been sending in pictures and discussing how they have been patrolling Rio for months; working to remove all standing water where this particular mosquito can breed. They also continually talk about the fact that being winter in Rio, the virus is not as likely to be contracted and spread during Game time.

 

The CDC, however, has already issued their statement telling pregnant women not to go to Rio. For those who decide to go anyway; they further advise that long sleeves and pants treated with insect repellant is a must, and that staying in air-conditioned locales the whole time needs to be done.

 

But the medical/science group definitely wants WHO to reconsider. Even if the individual risk is lower in the winter, they say that the risk to an entire population is “undeniably high.” Rio de Janeiro is highly affected at the moment; its health is weak, and the city has cut funding against mosquito-borne diseases.

 

In millions of minds, Rio not bending an inch is simply because they want the cash that the Olympics brings. On the other side of the fence, there is a spirit to the Olympics that makes people want to be a part of them. The athletes will risk anything to vie for the medals they have so long been training to capture.

 

But when taking the need, desire and – oh, yes, the money for the country away – you are left with a public health danger that could reach worldwide. By not postponing or outright moving the Games from Rio, health, welfare and ethical consequences will go from being extremely irresponsible into a downright nightmare.

Source:  Baret News

Copyrights & Trademarks for NFL’s Lynch

 

Copyrights & Trademarks for NFL’s Lynch

~Amy Lignor

 

Yes, it’s a television show where the Richies listen to the poor people with ideas and then rake them over the coals before saying whether or not they will be partners with them. The Richies insert the money necessary and then take a whole bunch at the back end. However, you can’t get mad at the guys (and usually one woman), because they say far ahead of time that you are walking into the “Shark Tank” so it shouldn’t be all that big of a surprise if Jaws takes a chunk out of you.

Great_white_shark_south_africa

Then…there are some who wish to make money by either pleasing or teasing – and that is where the NFL’s controversial subject comes into play. During Super Bowl week (again, not Shark Week, mind you, Super Bowl week), there were more people coming on the air and standing up for poor Marshawn Lynch than ever before. They felt bad that everyone was coming down on the guy for having such a hard time with the media. He was uncomfortable with them, so why should the man have to talk to them? Well. Because it’s part of his contract. So what Marshawn Lynch did was simply come out, strutting onto the field, and say the same line over and over again. Course, that particular line has now been copyrighted so that the ‘poor’ NFL player who doesn’t like to speak and has been just bullied by everyone can make millions anyway.

 

The actual football future of the Seattle Seahawks running back is supposedly in question. Even Warren Moon, a Hall of Fame QB, spoke last week about how he’s sure Lynch still wants to play. Whereas there have many reports – mostly coming from the Lynch camp – that states he’s looking to retire. And if you believe that, I have some lovely property overlooking the Pacific Ocean for you to buy. The only catch is that it just happens to be located in New Mexico.

 

Now Lynch wants a bit more sympathy. After all, he’s 28-years-old. Whew! Poor guy, can’t understand how he even stands up anymore. And he is really considering whether he wants to go through the pain and suffering of training in the off-season and then have to play again. The head coach, Pete Carroll, has reported that the team has been trying to negotiate a contract extension for a while with Lynch, but there has been no news regarding whether or not Lynch will suit up with a Seahawk on his helmet this coming season.

 

Thankfully, either way, he’ll be just fine. After all, with Lynch trademarking: “I’m just here so I won’t get fined,” he’s looking at building the bank account in other ways. Can’t blame him. This is a capitalist society and striking while you’re hot – especially if you won’t even be in the NFL from here on out (yeah, right), is a completely normal thing to do.

 

But it doesn’t stop there. The official document has been filed with the U.S. Patent and Trademark Office for the above line with shirts, hats, beanies, hooded sweatshirts and other apparel listed. But there is also another. Lunch also applied for a trademark in order to control clothing with the term: “About That Action Boss.” And, yes, he is currently already selling apparel with this on his website for those who wish to support the poor man who is so frightened of the press.

 

Perhaps it wouldn’t be any bother or issue whatsoever if someone else was doing this. But when the press are actually the ones saying to leave the poor guy alone just so he can go out and pretty much say to them “In Your Face” is a little beyond stupid.

 

The only thing left is for Lynch to join the actual Shark Tank people. They talk over each other so he wouldn’t have to worry about being heard there. And if he likes something, all he needs is to give a thumbs-up and smile. Perfect career if his time with the Seattle Seahawks has come to a close.

 

This sports subject has definitely climbed into the number one spot for the NFL leaving “Deflate Gate” treading water.

Source:  Sportsmans Lifestyle

Welcome to the NFL Shark Tank

 

Welcome to the NFL Shark Tank

~Amy Lignor

 

Yes, it’s a television show where the Richies listen to the poor people with ideas and then rake them over the coals before saying whether or not they will be partners with them. The Richies insert the money necessary and then take a whole bunch at the back end. However, you can’t get mad at the guys (and usually one woman), because they say far ahead of time that you are walking into the “Shark Tank” so it shouldn’t be all that big of a surprise if Jaws takes a chunk out of you.

Great_white_shark_south_africa

Then…there are some who wish to make money by either pleasing or teasing – and that is where the NFL’s controversial subject comes into play. During Super Bowl week (again, not Shark Week, mind you, Super Bowl week), there were more people coming on the air and standing up for poor Marshawn Lynch than ever before. They felt bad that everyone was coming down on the guy for having such a hard time with the media. He was uncomfortable with them, so why should the man have to talk to them? Well. Because it’s part of his contract. So what Marshawn Lynch did was simply come out, strutting onto the field, and say the same line over and over again. Course, that particular line has now been copyrighted so that the ‘poor’ NFL player who doesn’t like to speak and has been just bullied by everyone can make millions anyway.

 

The actual football future of the Seattle Seahawks running back is supposedly in question. Even Warren Moon, a Hall of Fame QB, spoke last week about how he’s sure Lynch still wants to play. Whereas there have many reports – mostly coming from the Lynch camp – that states he’s looking to retire. And if you believe that, I have some lovely property overlooking the Pacific Ocean for you to buy. The only catch is that it just happens to be located in New Mexico.

 

Now Lynch wants a bit more sympathy. After all, he’s 28-years-old. Whew! Poor guy, can’t understand how he even stands up anymore. And he is really considering whether he wants to go through the pain and suffering of training in the off-season and then have to play again. The head coach, Pete Carroll, has reported that the team has been trying to negotiate a contract extension for a while with Lynch, but there has been no news regarding whether or not Lynch will suit up with a Seahawk on his helmet this coming season.

 

Thankfully, either way, he’ll be just fine. After all, with Lynch trademarking: “I’m just here so I won’t get fined,” he’s looking at building the bank account in other ways. Can’t blame him. This is a capitalist society and striking while you’re hot – especially if you won’t even be in the NFL from here on out (yeah, right), is a completely normal thing to do.

 

But it doesn’t stop there. The official document has been filed with the U.S. Patent and Trademark Office for the above line with shirts, hats, beanies, hooded sweatshirts and other apparel listed. But there is also another. Lunch also applied for a trademark in order to control clothing with the term: “About That Action Boss.” And, yes, he is currently already selling apparel with this on his website for those who wish to support the poor man who is so frightened of the press.

 

Perhaps it wouldn’t be any bother or issue whatsoever if someone else was doing this. But when the press are actually the ones saying to leave the poor guy alone just so he can go out and pretty much say to them “In Your Face” is a little beyond stupid.

 

The only thing left is for Lynch to join the actual Shark Tank people. They talk over each other so he wouldn’t have to worry about being heard there. And if he likes something, all he needs is to give a thumbs-up and smile. Perfect career if his time with the Seattle Seahawks has come to a close.

 

This sports subject has definitely climbed into the number one spot for the NFL leaving “Deflate Gate” treading water.

Source:  Sportsmans Lifestyle