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Why You Shouldn’t Take Out that Store Credit Card
Warning: These Types of Credit Cards Can Cause Financial Woes...
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Save 10% on your purchase today! No interest, no payments for six months! Buy a mattress today, sleep on it tonight, pay for it next year! It seems like no matter where you go, the ads for store credit cards practically shout out at you. At first blush, they seem like they offer a really good deal, too. But do they really? Let’s look at some of the factors that make a store credit card something you really should pass on by.
One of the biggest reasons to not get a credit card is that you end up in the long run with a large interest rate. Unless you are able to pay off the card before your grace period ends, all of that interest gets charged to you, and very often the store cards have double-digit interest, sometimes pushing 20% or more. That discount you got at the time of the sale ends up getting taken back, and then some. You can counteract that by turning around and paying off the car…
How to Buy a Home without Money Down
Buying a Home with $0 Down Revealed Here! Yes You Can...
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A no money down mortgage was much more common in the days before the recession hit, but some lenders still offer them. Only those buyers with the best credit history are considered and they have to have a good income. But, for those who qualify, it is a great way for people to get into a home and find the stability that homeownership can provide.
Some mortgages, those backed by FHA, want you to put down at least 3.5% of the home value as your down payment along with making mortgage insurance payments during the full term of the loan. Other lenders want even more, up to 10 – 20%. The higher down payment mortgages do not require insurance, so though there is more due up front, the overall cost is lower.
You may be wondering what is necessary to obtain one of those zero down loans. A good credit score is a start. Lending institutions typically require 700 or higher. You will …
Ten Great Ways to Set Up Your Kitchen for Successful Weight Loss
Losing Weight is a Matter of Simple Math... To drop pounds, you need to eat fewer calories than you burn.
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The holidays are winding down and it’s time to start thinking about New Year’s resolutions. One big one every year is often losing weight (especially after all those holiday goodies!). It can be tricky to eat right all the time, so setting up your kitchen for success is a great way to help. Here are ten tips you can use to keep your kitchen a diet-friendly zone.
Portion control is essential to help you lose weight. By having measuring cups out on the counter so you know exactly how much you are eating, you’ll be much more in control of your food.
When you are serving meals, try a smaller plate. Or, if you are in need of some new dishes anyway, purchase some dinnerware that doesn’t have the super-sized plate. Typically when we serve food we fill the plate up, so it only makes sense that if you have a smaller plate, you’ll give you…
Kitchen Improvements That Will Make Your Home Sell Better
Remodeling Tips to Help Sell Your Home Fast
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There are any number of things you can do to and with your kitchen. Some remodels will make your house more valuable should you choose to sell it, some will make things a lot more pleasant just living there, and some, well, just should not be done. So which ones are the “right” ones, the ones that will end up paying off in the end? Read on for some ideas.
You may have heard that kitchen and bathroom home improvements are the ones that will give you the greatest return on your investment, and that is correct. But you have to be smart about it. If the project makes the workflow of the kitchen better and it puts the prep counter near the stove, then it will be a worthwhile investment.
On the other hand, if you are simply replacing an old Formica counter with a fancy granite version but the kitchen remains awkwardly set up and you don’t have any room to set out the small appliances you use…
How the Veterans Administration Uses the No Money Down Mortgage
No Money Down Loans Today? Really?
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You may have heard about no money down mortgages a few years ago, and you may have also heard that they were part of the reason for the housing market crash at the start of the great recession in 2008. That is a correct statement, but when used properly, the no money down mortgage can actually be a smart financial tool, particularly for the lending institution. The Veterans Administration has perfected the art of using this type of mortgage to help veterans buy and stay in homes.
This type of loan offered by the VA is almost a novelty in the market any more. Ninety percent of people who use this program actually end up not making a down payment at all on loans worth up to $417,000. While this might sound incredibly risky, it actually translates to a program with the best (meaning lowest) foreclosure rate for any type of home loan over the last several years.
So why would the VA offer this type …
Five Big Reasons Why Your Home Won’t Sell
Can't Sell Your Home? Take a Look at Some Possible Reasons Why!
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You’ve had your home on the market for a long time now, and you really want it to sell. The problem is, no one is really interested in buying it. You now end up wondering what you did wrong, or what is wrong with the house that it won’t sell. There are a few big reasons why your home might not be selling, so let’s take a look at them now.
The biggest reason is the home is not priced right. You can only sell your home if it is at a price people are willing to pay. The market in your area is the big determining factor when it comes to price. You’ll need to do a solid search for prices of comparable homes to determine what your house is really worth in your area. If you feel like your agent is not selling the home for what you have determined it is worth, be sure to talk to him or her about your concerns. It may be time to find a new agent if you don’t get anywhere there.
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Gardenias Fire Gourmet Pastry Gift Baskets NJ Review
Unique Gourmet Pastry Bouquets Make a Great Gift
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Are you completely stumped by what gifts to get your loved ones? Does it feel like you see the same things in every store you visit? What about giving a completely unique gift of lovely bouquets of pastries? Gardenia’s Fire crafts pastry bouquets that look as beautiful as floral bouquets, but come with the added benefit of being able to eat them. You can even share them – if you want to.
Pastry bouquets are a delight to look at with their bright colors and carefully crafted arrangements that so resemble the actual flowers they replicate. The smell of the cupcakes and sweets is enthralling, and they taste every bit as good as they look. Gardenia’s Fire has artists who have been creating these treasures for 25 years now, and they have truly perfected the art.
These gourmet cupcake gift baskets make for great company gifts or thank yous to business partners who have helped you over the yea…
Fat Loss Factor – Weight Loss Program Review
Is This Weight Loss Program Fact or Fiction?
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Why Are Over 200,000 People Using This Weight Loss Program?
Because it Works...Check out this video for a complete product presentation go to Fat Loss Factor Weight Loss Program
Тhе Fat Loss Factor іs оnе оf thе mоst popular weight loss programs оut rіght nоw sо naturally we hаd tо tаkе а closer lооk аnd sее іf іt rеаllу lives uр tо thе hype.
This weight loss system wаs created bу Dr. Charles Livingston, а wellness specialist whо арраrеntlу created thе program аftеr usіng thе sаmе principles tо help оnе оf hіs patients lose (аs hе claims) 90lbs.
…and hе sауs уоu саn dо thіs wіthоut аnу exhausting exercises аnd wіthоut making аnу drastic changes tо уоur diet. Seriously?
Sounds crazy rіght? Lеt’s find оut іf іt rеаllу works.
This program іs pretty darn comprehensive… attacking fat frоm multiple angles. Вut thе b…
Zcode System for Sports Investors Review
When Does Sports Betting Become Sports Investing?
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When you have the advantage based on data!
Whаt Іs Zcode System?
Simply рut іn thіs Zcode System Review, іt іs а sports investing program designed tо gіvе уоu advice оn whаt sports events tо bet оn аnd whісh оnеs tо avoid. Іt dоеs thіs thrоugh analytics. Іt analyzes іts massive data base оf 15 years’ worth оf sports data аnd spits оut a prediction based оn thіs evidence.
Zcode System gіvеs predictions оn аll major U.Ѕ. sports including thе NFL, MLB, NBA, аnd thе NHL. Іt hаs аlsо integrated аll major worldwide soccer leagues, NCAA football, NCAA basketball аnd horse racing!
Here іs аn example оf hоw іt works: Тhе Atlanta Braves аrе playing thе Washington Nationals. Zcode gіvеs thе Braves а 55% chance оf winning thе game, but thе odds оn thеm whеrе оnlу 2.27. Zcode decided thаt thеrе іs nо vаluе іn thіs bet, sо іt recommends thаt уоu dо nоt bet on thі…