Monthly Archives: January 2016

Should I Refinance My Home?

With rates still holding steady many home owners are rethinking the possibility of saving hundreds per month when refinancing. But should you refinance? To answer this question we will first need to define the financial term home loan refinancing.Home Refinancing Defined: The process of the same borrower paying off one loan with the proceeds from another loan. The repayment of a loan with funds from a new loan secured by the same property as the first loan. The new loan may be from the same or a different lending institution.Now that we know the process we’re better able to understand the answer forthcoming.To get our answer regarding whether to refinance or not we will need to know what our current mortgage rate is as well as our desired rate. Example: If your monthly mortgage payment (excluding taxes & insurance) is about $770 on a $100,000 loan at 8.5% you would save about $70 a month if the rate were lowered to 7.5%. Your monthly payment would be about $700.To determine how much you would save upon refinancing with the desired rate compared to your current loan rate you will need one of the following tools:A Local rate Index
A Refinance Analysis Calculator or Mortgage Refinancing Savings Calculator
Pull your mortgage statement and examine your current mortgage rateYou’ll find a good refinance savings calculator at the Mortgage Loan Search site at [http://www.bcpl.net/~ibcnet/]refinance-savings-calculators.html. This calculator will answer such questions as Does It Pay for Me to Refinance My House? Is Now a Good Time to Refinance? Is It Worth It for Me to Refinance? When Do I Break Even When Refinancing My Home?Before using the calculator we’ll need to know exactly what local home refinancing loan rates are available. To do this simply use the local mortgage rate look up tools featured on most mortgage websites. The ideal site will not only list an index of national averages but provide you a means of looking up local rates as well.How Do I Find the Best Refinance Deal? To find the best deal you’ll want to put yourself in a bargaining position. Using what are called quick rate quote forms you’re able to submit a request for loan rates based on a certain criteria. The criteria lenders use helps them evaluate and determine the applicant’s best match in terms of available loan programs and associated mortgage rates.Will I Benefit from Refinancing? It all depends on how much you save when refinancing and what you do with the savings. If you save $70 per month and receive interest on it (of just 6.5%), over 30 years (the length of most people’s loans) you would build over $80,000 in wealth.How do I find the Best Refinance Rate? There are several factors involved with finding the lowest rates. One is having a fairly good credit score. The other is having made your mortgage payment on time. Another is making lenders compete for your business. When lenders know your dealing with the competition they will likely offer attractive rates up front to win you over.What if I’m Refinancing My Home with Bad Credit? Don’t be dismayed. Lender will work with you to improve your credit score or offer special programs designed for less the perfect credit applicants.


Diapees & Wipees Crazy Daisy Baby Diaper and Wipes Bag

Diapees & Wipees is a unique bag designed for fashionable Moms. What makes Diapees & Wipees so unique, and unlike traditional diaper bags, is that it is designed specifically to hold a travel pack of wipes and two to four diapers. Guaranteed to keep your little ones diapers nice and neat just like when they came out of the package. Say goodbye to wadded, scrunched up diapers! Use Diapees & Wipees with your diaper bag and oversized handbag and when you want to lighten your load, just grab the Diapees & Wipees bag and go!
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Net Neutrality – An Urgent Call to Action

The Federal Communications Commission decided Thursday to allow public comment on whether it should modify its rules regarding net neutrality. We cannot overstate the importance of this issue, or this opportunity. We urge everyone who values the free exchange of ideas and individual expression to take this opportunity to make your voice heard.The Internet is the most open, democratic, and free channel for the exchange of ideas in the history of the world. We at The Contrarian Perspective value self determination and independence above all else. Until now, the ability to reach a large audience was reserved solely to the wealthy and powerful, due to the great expense of getting the message out. The Internet has changed all that. Now, anyone with a great idea can reach a virtually unlimited audience. The only limit is the merit and appeal of your idea. If others find your ideal compelling, it can’t help but spread and reach its full potential, whether you’re an Iowa soybean farmer or a Fortune 500 ceo.Change is Bad for Them, But Good for UsTraditional media outlets view this freedom as a threat, and rightly so. They have achieved great wealth and power through maintaining a stranglehold on the channels of delivery of information. The Internet takes their control away, and it seems that every day we hear yet another story about yet another desperate attempt by the media establishment to get it back. From harassing ten-year-old mp3 downloaders, to initiating denial-of-service attacks against file-sharing networks, to suing YouTube, they will do anything to block the free flow of information and ideas, because in truth control over the means of distribution is the only thing of value they ever created. The ideas themselves have always come from the artists, reporters, writers, and musicians who were forced to do business with media outlets in order to get their message out.An Assault on MeritocracyOn the Internet, competition for your audience is based largely on merit, and this scares the media elite of the world to death. Rather than compete on a level playing by creating better ideas, they would much prefer to operate as they have done in the past: on an uneven playing field manipulated by money and back-room deals, where what you read and what you hear is chosen for you by a small cabal of media executives. That is the motivation behind their initiatives to create priority traffic based on who has the most money. They want to seize control of the means of communication, so they can again make unlimited profits by catering to the lowest common denominator. Make no mistake. Whatever rhetoric the lobbyists they employ may spew out, this is their motivation, and it is their only motivation. It is vital that their efforts to trample on freedom of communication be stopped immediately, and permanently. Otherwise, we run the risk of reversing the revolutionary ability of individual voices to spread their ideas.We are no fans of regulation, but it is important to understand that opponents of net neutrality are not fighting regulation. Rather, they are fighting to make themselves the regulators. Don’t be fooled by their pseudo-libertarian posturing. The only thing worse than government control is a private monopoly.It is especially revealing that Google is one of the greatest supporters of net neutrality. With its enormous resources and staggering traffic load, Google would stand to benefit enormously if net neutrality were rejected. But Google has shown that it understands the great value that freedom of information creates for society as a whole, and is willing to put this ahead of its own pecuniary interest. For that, it should be applauded, and its message deserves close attention.Speak Up NowComments may be submitted to the FCC through Ms. Heather Hendrickson. You may email Ms. Hendrickson at heather.hendrickson@fcc.gov. Reference docket number 07-52 in your emails. We urge you to contact Ms. Hendrickson and make your voice heard, if you ever want it to be heard again.We hereby grant permission for you to excerpt any portion of this article you wish in your communications to the FCC. You may also distribute this article freely in unedited form, so long as you include a link back to QuiteContrarian.com. Get the word out before it’s too late.